IE Working Paper WP 3 / 02 4 is little reason to expect that any of the corporation’s other business-units will be performing at other than the norms set by industry, year, and industry-year effects.” The corporate effect detected by more recent empirical research provides evidence that indeed. Download file - BetterTouchTool3.02.zip. BetterTouchTool3.02.zip (22.88 MB) Choose free or premium download FREE REGISTERED PREMIUM.
Social Security listing 3.02 chronic pulmonary insufficiency will be met when appropriate testing has been done to determine the lung function. Below is the information needed for the listing.
3.02 Chronic pulmonary insufficiency
A. Chronic obstructive pulmonary disease due to any cause, with the FEV1 equal to or less than the values specified in table I corresponding to the person’s height without shoes. (In cases of marked spinal deformity, see 3.00E.);
3.02 Chronic pulmonary insufficiency
A. Chronic obstructive pulmonary disease due to any cause, with the FEV1 equal to or less than the values specified in table I corresponding to the person’s height without shoes. (In cases of marked spinal deformity, see 3.00E.);
Table I
Height without Shoes (centimeters) | The duplicate finder 2 0. Height without Shoes (inches) | FEV1 Equal to or less than (L,BTPS) |
---|---|---|
154 or less | 60 or less | 1.05 |
155-160 | 61-63 | 1.15 |
161-165 | 64-65 | 1.25 |
166-170 | 66-67 | 1.35 |
171-175 | 68-69 | 1.45 |
176-180 | 70-71 | 1.55 |
181 or more | 72 or more | 1.65 |
To meet the listing 3.02 A criteria Social Security Administration (SSA) will require a pulmonary function test or PFTs to be done to determine lung function. If PFTs have not been done SSA will set up an appointment to have the tests done. If PFTs are done through SSA a bronchodilator be given to the patient. If the patient is not clinically stable the test will not be considered a valid example of the lungs ability to function. In other words, if the patient is ill or was recently ill with a respiratory illness the test will not be considered valid for SSA purposes.
The test is done by breathing through a mouth piece into the machine. The patient may be asked to breathe deeply or rapidly. After inhaling medication that opens the airways the patient will again be asked to breathe into the machine to find out how medication affects lung function. After the test is done the machine will assign a number to the patient’s lung function for each test. The numbers will be used by SSA to determine if the patient meets the listing.
For the A criteria, SSA is only interested in FEV1 numbers. SSA will need to know the height of the patient to determine if the listing is met. Listing 3.02 includes a chart, shown above, with heights and an FEV1 number. To find if the listing is met the person’s height is considered with the associated number from the FEV1 line of the PFTs. If the results of the FEV1 are less or equal to the number on the chart the person meets the listing.
SSA will first consider the listing to determine if a person meets the requirements of disability. If the person does not meet the listing SSA will then look at the limitations caused by the lung impairment. The person’s age, education and past work are also important in evaluation of a Social Security disability claim. If you have any questions regarding a Social Security disability claim please give us a call at 515-271-8186.
The test is done by breathing through a mouth piece into the machine. The patient may be asked to breathe deeply or rapidly. After inhaling medication that opens the airways the patient will again be asked to breathe into the machine to find out how medication affects lung function. After the test is done the machine will assign a number to the patient’s lung function for each test. The numbers will be used by SSA to determine if the patient meets the listing.
For the A criteria, SSA is only interested in FEV1 numbers. SSA will need to know the height of the patient to determine if the listing is met. Listing 3.02 includes a chart, shown above, with heights and an FEV1 number. To find if the listing is met the person’s height is considered with the associated number from the FEV1 line of the PFTs. If the results of the FEV1 are less or equal to the number on the chart the person meets the listing.
SSA will first consider the listing to determine if a person meets the requirements of disability. If the person does not meet the listing SSA will then look at the limitations caused by the lung impairment. The person’s age, education and past work are also important in evaluation of a Social Security disability claim. If you have any questions regarding a Social Security disability claim please give us a call at 515-271-8186.
Introduction
This topic contains information on income reported on IRS Form 1040, including:
Overview
To get an accurate picture of the borrower’s cash flow, the lender will need to make certain adjustments to some of the income (or loss) that the borrower reported on IRS Form 1040 since it may not be recurring income. The lender also may need to further analyze the accompanying tax schedules or supplemental tax forms.
This section describes how the lender should treat various components of the income (or loss) that a self-employed borrower reported on IRS Form 1040 in its cash flow analysis.
Note: Eligibility criteria for accepting income from specific non-business sources is generally the same as that for salaried or commissioned borrowers (see B3-3.1-01, General Income Information).
Wages, Salary, and Tips
If an amount is shown for wages, salary, or tips for a self-employed borrower, it may mean:
- the borrower operates as a corporation and pays himself or herself a salary or
- the borrower’s spouse is employed and receives a salary (either from the borrower’s business or from another employer).
Movist 1 4 1. If the income relates to the borrower’s spouse who is employed by another company and the income will be used in qualifying for the mortgage, the spouse’s income must be verified directly with his or her employer since it may be more appropriate to use the spouse’s current earnings in underwriting the mortgage. Any income that is based on current earnings or that will not be used for qualifying purposes should be deducted from the borrower’s cash flow.
Interest and Dividend Income
The taxable interest and dividend income that is reported on IRS Form 1040, Schedule B, may be counted as stable income only if it has been received for the past two years. However, the income cannot be counted if the borrower is using the interest-bearing or dividend-producing asset as the source of the down payment or closing costs. Imusic 2 2 0 download free.
Any taxable interest or dividend income that is not recurring must be deducted from the borrower’s cash flow.
Tax-exempt interest income may be counted as stable income only if it has been received for the past two years and is expected to continue. If so, this income can be added to the borrower’s cash flow.
State and Local Tax Refunds
Taxable state and local tax refunds, credits, or offsets of state and local income taxes should not be used as qualifying income since the income was accounted for in the previous year’s tax returns. Therefore, the borrower’s cash flow must be adjusted accordingly.
Alimony Received
Bettertouchtool 3 02 15 18
Alimony may be accepted as qualifying income if it meets the requirements described in B3-3.1-09, Other Sources of Income. Any reported alimony received that is determined to be nonrecurring must be deducted from the borrower’s total income reported on IRS Form 1040.
IRA Distributions, Pensions and Annuities, and Social Security Benefits
Income received from IRA distributions, pensions, annuities, and Social Security benefits may be accepted as qualifying income. See B3-3.1-09, Other Sources of Income, for specific requirements.
The nontaxable portion of such recurring income must be added to the borrower’s cash flow. The tax-exempt portion of income from these sources may be increased to reflect the tax savings, as described in B3-3.1-01, General Income Information. If the income from these sources is determined to be nonrecurring, the income must be deducted from the borrower’s cash flow.
Unemployment Compensation
Unemployment compensation may be considered as acceptable qualifying income if it meets the requirements described in B3-3.1-09, Other Sources of Income. Any reported unemployment compensation that is determined to be nonrecurring must be deducted from the borrower’s cash flow.
Other Income (or Loss)
Bettertouchtool 3 02 15 2020
If the borrower reported income from other sources, the lender must verify that the income is an eligible source for qualifying purposes per the requirements described in B3-3.1-09, Other Sources of Income, for the applicable income source. Income that is determined to be nonrecurring or ineligible for qualifying purposes must be deducted from the borrower’s cash flow. If the borrower reported any nonrecurring losses, the borrower’s cash flow should be increased by the amount of the losses.