|
activities of daily living (ADLs):
|
|
personal care tasks including bathing, grooming, dressing and undressing, eating, toileting, transferring from a bed or chair, range-of-motion exercising, taking medications, and getting around inside the home.
|
| |
|
adjusted gross income:
|
|
total income minus certain deductions
|
| |
|
administer:
|
|
to manage or run a program
|
| |
|
Adobe Reader:
|
|
free software that allows you to view and print Internet documents and forms stored as PDF (Portable Document Format) files. Many online documents are PDF files. If you don't have Adobe Reader on your computer, you can download it for free from the Adobe Reader web page.
|
| |
|
adult caretaker relative:
|
|
an adult relative living in the same home with a child under 19 whose parents are not present in the home; who is related to that child by blood, adoption, or marriage (or is the spouse or former spouse of one of those relatives); and who is the primary caretaker of that child
|
| |
|
Adult Day Health (ADH):
|
|
a day program of health and social services for seniors and disabled adults who are at risk of institutionalization. Services include nursing care, medication assistance, physical and other therapies, personal care assistance, lunch, and social and recreational activities. Adult Day Health is offered at licensed health facilities.
|
| |
|
affidavit of support:
|
|
a legal form (I-864) required for most family-based immigrations to the U.S. after 12/19/97, in which a relative in the U.S. agrees to sponsor the immigrant and provide financial support if needed. This guarantee of financial support is to prevent the immigrant from depending on government assistance. The sponsor must promise support until the immigrant has 40 credits of work (about 10 years) or becomes a U.S. citizen.
|
| |
|
affidavit:
|
|
a written statement sworn to be true in the presence of someone authorized to administer an oath, such as a notary public
|
| |
|
Aging Services Access Points (ASAPs):
|
|
a network of nonprofit and state agencies that manage community-based long-term care services for MassHealth-eligible seniors. ASAPs perform screenings, case management, authorization of services, information and referral, protective services, and some nutrition services. For a list of Massachusetts ASAPs, see Massachusetts AAAs and ASAPs on the SeniorConnection.org web site.
|
| |
|
alien:
|
|
a person who is not a citizen of the United States
|
| |
|
allotment:
|
|
the benefits that have been approved for a household, family, or other assistance unit
|
| |
|
Alternative Housing Voucher Program (AHVP):
|
|
a state-funded rental assistance program for low-income disabled people under the age of 60. The AHVP offers tenant-based vouchers that can be used for any approved apartment.
|
| |
|
Amerasians:
|
|
certain individuals born in Cambodia, Korea, Laos, Thailand, or Vietnam after December 31, 1950, and before October 22, 1982, fathered by a U.S. citizen during conflicts in that region. Amerasians and their families are granted permission to enter the U.S.
|
| |
|
amortize:
|
|
pay off a debt gradually over time in installments
|
| |
|
appeal:
|
|
to ask someone in a higher position to review your case (for example, if you have been told that you cannot receive benefits)
|
| |
|
appraisal:
|
|
an estimate of the value of property by a professional
|
| |
|
apprenticeable occupation:
|
|
a skilled trade that (1) is usually learned through on-the-job training; (2) is a distinct occupation recognized throughout an industry; (3) involves manual, mechanical, or technical skills that usually take two years or more of work experience and training to learn; (4) requires related technical instruction
|
| |
|
arrearage:
|
|
an unpaid debt that has accumulated over several months or longer. Examples are back rent or overdue utility bills.
|
| |
|
assets:
|
|
money you have or property you own, such as cash, bank accounts, personal property, vehicles, real estate, and the cash surrender value of life insurance; also called resources
|
| |
|
assisted living residence (ALR):
|
|
housing for seniors and the disabled that provides room, board, personal care services and other support services to residents. ALRs are for people who cannot live safely on their own, but can still do many activities independently.
|
| |
|
assistive technology:
|
|
products that help people with disabilities do things that would otherwise be impossible or very difficult. Also called adaptive technology.
|
| |
|
asylees:
|
|
people already in the United States who are legally allowed to remain in this country because they face persecution in their home country due to their race, religion, nationality, membership in a particular social group, or political opinion
|
| |
|
authorization:
|
|
official approval
|
| |
|
bankruptcy:
|
|
a legal process in which you declare that you are not able to pay your debts. There are different types of bankruptcy. Some give you more time to pay your debts; others use whatever assets you have to pay off your debts and eliminate the rest of your debt. In some cases you can keep an asset such as your house. Filing for bankruptcy has serious consequences. Bankruptcy remains on your credit report for 10 years.
|
| |
|
base period:
|
|
a period of time, usually a year, that the Division of Unemployment Assistance (DUA) looks at to see if you have earned enough money to be eligible for unemployment benefits. Normally, your base period is the last four completed calendar quarters before you file you claim for unemployment benefits. There are four calendar quarters in a year: January through March, April through June, July through September, and October through December. If you did not earn enough to qualify this way, DUA will look at an alternate base period.
|
| |
|
Basic banking program:
|
|
a bank account with a low monthly fee, which can be used for direct deposits
|
| |
|
battered noncitizen:
|
|
a noncitizen adult or child who has been battered in the United States by a spouse, parent, or other family member living in the same household. To get benefits as a battered noncitizen, you must have a petition filed with the U.S. Immigration Service (by a spouse, parent, or self-petition), you must have proof of the battering, and the battered noncitizen must no longer be living with the abuser. You may also have to meet other requirements.
For more information, see Battered Spouse, Children & Parents on the U.S. Immigration Service web site.
|
| |
|
Beehive:
|
|
a nonprofit web site with information about money, health, jobs, school and family. The Beehive was created by One Economy Corporation of Washington, DC. See Welcome to Massachusetts - The Beehive
|
| |
|
benefit year:
|
|
a 52-week period, starting with the effective date of your unemployment insurance (UI) claim. You may file a new claim for UI benefits only once during a benefit year. However, you may close and re-open an existing claim throughout the benefit year.
|
| |
|
browser window:
|
|
a screen on which you see the information from a web page. More than one browser window can be open at a time. Sometimes a web page link will open a new browser window on top of the window you are already using.
|
| |
|
browser:
|
|
a computer program that is used to view Internet web pages. Examples are Internet Explorer and Netscape.
|
| |
|
capital gain:
|
|
profit from the sale of stocks, bonds, property, etc.
|
| |
|
case manager:
|
|
a person trained to help you, who will look after you and guide you while you get the services you need
|
| |
|
categorical eligibility:
|
|
when a household automatically qualifies for a program benefit without having to prove eligibility. For example, households in which everyone receives EAEDC or SSI are categorically eligible for food stamps.
|
| |
|
certification period:
|
|
the amount of time you have been approved for benefits
|
| |
|
child care contracted slot:
|
|
a space at a child care center that is paid for by the government and set aside for children from low-income families
|
| |
|
child care resource and referral agency (CCR&R):
|
|
an agency paid by the government to provide families with child care information and referrals, and to handle government child care vouchers
|
| |
|
child care voucher:
|
|
a certificate given to a family by the government, that can be exchanged for child care services. It is proof that the child care provider will be paid.
|
| |
|
Children's Medical Security Plan (CMSP):
|
|
health insurance for Massachusetts children and teenagers who are uninsured and not eligible for MassHealth. Offers primary and preventive care. Cost depends on family size and income.
|
| |
|
chronic:
|
|
continuing or taking place again and again for a long time
|
| |
|
closing costs:
|
|
money, in addition to the down payment, that a homebuyer must pay on the closing date. Closing costs include document preparation fees, lender's fees, and certain expenses like house insurance that you may be required to pay at the time you buy the house.
|
| |
|
cognitive:
|
|
having to do with the ability to learn and solve problems
|
| |
|
coinsurance:
|
|
the percentage of the cost of a service that you must pay. Your insurance pays the rest. For example, with Medicare, you must pay 20% coinsurance for most Medicare-covered services.
|
| |
|
collateral contact:
|
|
a person (such as an employer or neighbor) who will give truthful information about you to a service provider who is checking your eligibility for benefits
|
| |
|
collateral:
|
|
Collateral is an asset that is used as a pledge to repay a loan. If you do not repay the loan, the lender has the right to sell the asset to collect the money. For a car loan, the car is usually the collateral. For a home loan, the house is the collateral.
|
| |
|
Community Action Agency (CAA):
|
|
private, non-profit human service organizations in Massachusetts that fight poverty by providing emergency assistance to people in crisis and by offering programs to help people find jobs, housing, food, and educational opportunities. To find the CAA that serves your community, use the Community Action Agency Search Tool.
|
| |
|
community health center (CHC):
|
|
a local health care clinic that provides a wide range of outpatient health care services for its patients, and is licensed by the Department of Public Health. CHCs usually offer medical, dental, social, and mental health services.
|
| |
|
community service:
|
|
work done without pay to help others
|
| |
|
community-based services:
|
|
long-term support services for people who need help with activities of daily living in their own homes and communities. These services help keep family members at home, rather than in state institutions or nursing homes. Services may include supported living, personal care assistance, day programs, transportation, and family support.
|
| |
|
confidential:
|
|
kept private and not shared with anyone else
|
| |
|
copayment:
|
|
a fixed dollar amount that an insured person must pay for a medical service. For example, there may be a $20 copayment for each doctor's visit, or a $10 copayment for each prescription. The insurance company pays the rest of the cost. (A copayment sometimes refers to a percentage of the cost, instead of a fixed amount.)
|
| |
|
corrective lens:
|
|
a curved piece of plastic or glass, such as in eyeglasses or contact lenses, that lets you see more clearly
|
| |
|
countable assets:
|
|
also called "countable resources." Money or property that you own that is considered in determining eligibility for a program benefit
|
| |
|
credit score:
|
|
Your credit score is a number that lenders use to help them decide if they should let you borrow money. Your credit score tells the lenders how responsible you have been about paying back your debts. A credit score is sometimes called a FICO score. Your credit score is based on your credit report.
|
| |
|
creditor:
|
|
a person or organization to whom you owe money
|
| |
|
Criminal History Systems Board (CHSB):
|
|
The Criminal History Systems Board (CHSB) is the state agency in charge of the criminal justice information system, including CORI information, for Massachusetts. The CHSB web site is Criminal History Systems Board.
|
| |
|
criteria:
|
|
rules that are used to make a decision (for example, to decide if a person is disabled, according to the government's definition)
|
| |
|
Cuban/Haitian entrants:
|
|
Cubans and Haitians who were paroled into the U.S. at certain times in 1980 and 1981 and have lived in the U.S. continuously since then; and certain other undocumented Cubans and Haitians who are known to be in the U.S. by the U.S. Immigration Service but do not face deportation
|
| |
|
custody:
|
|
having the home where a child usually lives, and the right and duty to meet the child's daily needs for food, clothing, shelter, discipline, etc.
|
| |
|
deductible:
|
|
a dollar amount that you must pay toward your medical costs before your insurance will start paying benefits
|
| |
|
deduction:
|
|
an amount that is subtracted; for example, a deduction from income.
|
| |
|
default warrant:
|
|
a court order issued when an individual fails to appear in court or doesn't pay a court-ordered fine
|
| |
|
default:
|
|
failure to do something that is required, such as failure to pay a loan or failure to show up in court
|
| |
|
deficiency judgment:
|
|
a court ruling, after a foreclosure sale, that says you must pay the difference between the sale price of your property and the amount you owe for the loan and fees
|
| |
|
demand-response service:
|
|
transportation service where individual passengers get door-to-door service at a time they request, usually via van or taxi
|
| |
|
Dementia Day Care:
|
|
a day program of services for people with Alzheimer's Disease or related conditions who need a secure setting and supervision. Dementia day care programs include health monitoring and activities designed for people with memory loss or confusion. Nursing care is not available.
|
| |
|
Department of Children and Families (DCF)
|
|
The state agency in charge of strengthening families and protecting children from abuse and neglect. DCF services include foster care, adoption, adolescent services, and child protection services. Formerly called the Department of Social Services (DSS).
|
| |
|
Department of Developmental Services (DDS):
|
|
the state agency that provides specialized services and supports for eligible adults and children with developmental disabilities. See Department of Developmental Services for more information.
|
| |
|
Department of Early Education and Care (EEC):
|
|
the Massachusetts agency in charge of early education and child care programs in the state. The EEC was formed in July 2005, combining the functions of the former Office of Child Care Services (OCCS) and the Early Learning Services Division of the Department of Education.
|
| |
|
Department of Education (DOE):
|
|
the department of the Massachusetts government that regulates all public education programs in the state. See the Department of Education web site for information about public schools, other education programs, state and federal assessments, and educator resources.
|
| |
|
Department of Housing and Community Development (DHCD):
|
|
the state agency in charge of public housing, rental assistance programs, fuel assistance, homelessness prevention, community development, and other state and federally funded anti-poverty programs
|
| |
|
Department of Housing and Urban Development (HUD):
|
|
the U.S. government agency in charge of federal rent assistance, fair housing laws, homeownership loans, and other housing programs.
|
| |
|
Department of Industrial Accidents (DIA):
|
|
the government department in charge of the Workers' Compensation system in Massachusetts. The DIA web site is Department of Industrial Accidents.
|
| |
|
Department of Public Utilities (DPU):
|
|
the Massachusetts department in charge of gas and electricity, water, and transportation issues. See the DPU web site for more information.
|
| |
|
Department of Revenue (DOR):
|
|
the Massachusetts government department in charge of state personal income taxes, business income taxes, child support, and other financial matters.
|
| |
|
Department of Telecommunications and Cable (DTC):
|
|
The Massachusetts government department that regulates telephone and cable services. See the DTC web site for more information.
|
| |
|
Department of Telecommunications and Cable (DTC):
|
|
the Massachusetts department that regulates telephone and cables services. See the DTC web site for more information.
|
| |
|
Department of Telecommunications and Energy (DTE):
|
|
the former agency in charge of energy and telecommunications utilities in Massachusetts. As of April 11, 2007, the DTE was split into two departments: the Department of Telecommunications and Cable (DTC); and the Department of Public Utilities (DTU). The DTC handles telecommunication and cable issues. The DPU handles gas and electric, water, and transportation issues. The job of the DTC and the DPU is to make sure that the public gets safe reliable service at a reasonable cost. They also handle consumer complaints. See the DTC web site and DPU web site for more information.
|
| |
|
Department of Transitional Assistance (DTA):
|
|
the state agency in charge of cash assistance, food stamps, and other services for eligible Massachusetts families and individuals. Formerly known as the Department of Public Welfare.
|
| |
|
Department of Workforce Development (DWD):
|
|
the Massachusetts agency in charge of unemployment insurance, state employment/training programs, and job matching services. The DWD has three divisions, the Division of Unemployment Assistance (DUA), the Division of Career Services (DCS), and the Division of Apprentice Training (DAT).
|
| |
|
dependency allowance:
|
|
an amount that is added to your weekly benefit, based on how many children you support
|
| |
|
deportation:
|
|
government action that forces a non-citizen to leave the United States
|
| |
|
developmental delay:
|
|
when a child does not grow and learn how to do things like talk and walk when expected.
|
| |
|
diagnostic tests:
|
|
tests or procedures ordered by a doctor to see if a patient has a certain disease or condition (for example, x-rays or blood tests)
|
| |
|
direct deposit:
|
|
a way to put money in your bank account electronically. (No check is mailed to you.)
|
| |
|
Disability Evaluation Services (DES):
|
|
a group of doctors and other staff members at UMass Medical School who collect and review information about a disabled person who has applied for public benefits, and decide if that person meets the disability requirements for those benefits
|
| |
|
disabled:
|
|
a person who has a permanent or temporary illness, injury, or incapacity. Each program that gives benefits to the disabled has specific requirements for eligibility.
|
| |
|
disqualified:
|
|
not allowed to get benefits because of failure to follow program rules or requirements
|
| |
|
distribution:
|
|
when something is handed out to different people or groups
|
| |
|
Division of Career Services (DCS):
|
|
the Massachusetts agency in charge of employment service programs, the Workforce Training Fund, and the One-Stop Career Centers. Was formerly part of the Division of Employment and Training (DET).
|
| |
|
Division of Medical Assistance (DMA):
|
|
the state agency that runs the MassHealth health insurance program and the Insurance Partnership for small businesses in Massachusetts
|
| |
|
Division of Unemployment Assistance (DUA):
|
|
the Massachusetts agency in charge of the Unemployment Insurance program and the Medical Security Plan. Was formerly part of the Division of Employment and Training (DET).
|
| |
|
documentation:
|
|
written or printed paper giving information or proof about something
|
| |
|
domestic violence:
|
|
violence that takes place within the family, between spouses, ex-spouses, partners, ex-partners, or parents of the same child
|
| |
|
down payment:
|
|
the part of the price of a house that a buyer pays for in cash. It is the difference between the purchase price and the amount of your mortgage loan.
|
| |
|
drug formulary:
|
|
a list of prescription medicines that are approved for coverage by a health insurance plan
|
| |
|
earned income:
|
|
money you make by working, either at a job or in your own business
|
| |
|
EBT card:
|
|
Electronic Benefits Transfer card. A plastic card, like a bankcard, that you are given when you qualify for TAFDC cash assistance or food stamps. You use your EBT card to get cash from your TAFDC account or to pay for food at the supermarket.
|
| |
|
economic stimulus rebate:
|
|
a federal income tax rebate to help stimulate the economy, given to eligible tax filers based on 2007 tax returns. The maximum rebate was $600 (single) or $1200 (joint), plus $300 per dependent child.
|
| |
|
ElderChoice:
|
|
a Massachusetts program to help increase the number of affordable assisted living units. ElderChoice gives special loans to assisted living residences that agree to charge low rents in 20% of their units. The low-rent units are for people with incomes that are no greater than 50% of the area median income.
|
| |
|
eligibility:
|
|
whether or not you qualify to get benefits
|
| |
|
eligible noncitizen:
|
|
a person who is not a U.S. citizen, but whose immigration status has been approved for a particular benefit program. Eligible noncitizens must still meet the other program eligibility requirements (income limits, for example) to qualify for benefits.
|
| |
|
eligible:
|
|
qualifying for benefits
|
| |
|
emancipated:
|
|
a child who is no longer legally under a parent's control.
|
| |
|
Emergency Aid to Elders, Disabled and Children:
|
|
commonly called EAEDC, a Massachusetts state-funded program that provides cash and medical assistance to needy families and individuals who are not receiving TAFDC, SSI, or other similar benefits.
|
| |
|
Emergency Assistance (EA) :
|
|
a Massachusetts emergency housing program that provides shelter and housing search assistance to families facing homelessness
|
| |
|
Emergency Assistance (EA):
|
|
a Massachusetts emergency housing program that provides shelter and housing search assistance to families facing homelessness
|
| |
|
emergency care:
|
|
care given to a patient with a severe or life-threatening illness or injury that requires treatment right away
|
| |
|
emergency shelter:
|
|
a place for homeless families and individuals to live until they can find permanent housing. Emergency shelters usually provide beds,meals, and support services.
|
| |
|
end-stage renal disease (ESRD):
|
|
permanent kidney failure requiring dialysis or a transplant
|
| |
|
enrollment:
|
|
when you sign up for a service and agree to the rules of that service
|
| |
|
equity value:
|
|
the fair market value (the amount of money you would get if you sold something) minus the amount you owe on it
|
| |
|
evaluate:
|
|
to collect information that will be of help in making decisions about the future
|
| |
|
eviction:
|
|
the legal process when a property owner tries to remove a renter from an apartment or other rental unit
|
| |
|
exempt:
|
|
not having to meet a requirement, such as TAFDC work rules
|
| |
|
expedited:
|
|
faster than usual; without delay
|
| |
|
fair market rent:
|
|
the average rent (including utilities) being charged in a community for safe, clean, modest apartments
|
| |
|
fair market value:
|
|
the amount of money you would get if you sold something
|
| |
|
family cap rule:
|
|
a TAFDC rule that does not allow you to receive benefits for a child that was born 10 months or more after you first applied for TAFDC. There are some exceptions to this rule.
|
| |
|
Family Employment Plan:
|
|
a plan for refugee families to find jobs quickly, learn English, get additional job training, and become self-sufficient. Part of the Massachusetts Refugee Resettlement Program.
|
| |
|
Fannie Mae:
|
|
the Federal National Mortgage Association, called Fannie Mae for short. A privately owned corporation approved by the Federal government to make homeownership more affordable for low and moderate-income households. Fannie Mae offers many affordable housing mortgage programs, including several low or no down payment products.
|
| |
|
feasible alternative housing:
|
|
any other place to live that is safe for your family, including doubling up with friends or relatives
|
| |
|
feasible:
|
|
possible; something that can be done and is likely to work
|
| |
|
Federal Bonding Program:
|
|
a job hiring incentive program that protects employers from loss resulting from any dishonest acts performed by "at-risk" employees that they hire. The Federal Bonding Program issues bonds for "at-risk" job seekers such as ex-offenders, recovering substance abusers, dishonorably discharged veterans, etc., who are not bondable by private insurers, thereby removing one barrier to employment. See Federal Bonding Program for more information.
|
| |
|
Federal Poverty Guidelines (FPG):
|
|
income limits set by the U.S. government each year as a measure of poverty, used to decide eligibility for some assistance programs. For current and prior year dollar amounts, see Poverty Guidelines from the U.S. Dept. of Health and Human Services.
|
| |
|
Federal Poverty Income Guidelines (FPIG):
|
|
income limits set by the U.S. government each year as a measure of poverty, used to decide eligibility for some assistance programs. For current dollar amounts, see Poverty Guidelines from the U.S. Dept. of Health and Human Services.
|
| |
|
fee-for-service health plan:
|
|
a health plan that allows you to use any doctor, specialist, or hospital that accepts the plan's terms, conditions, and payment rate. It is different from an HMO because the health plan pays the health provider a fee for each service rather than paying a salary or a set amount per month per patient.
|
| |
|
felony:
|
|
a serious crime with a possible sentence of a year or more of jail time
|
| |
|
filing unit:
|
|
those people whose assets and income are counted in determining financial eligibility for a benefit program. The filing unit may include people who are not eligible for benefits but are legally required to support eligible household members.
|
| |
|
financial eligibility:
|
|
whether or not you qualify to get benefits, based on the amount of money you receive from your job or other sources, or the value of the things you own
|
| |
|
financial:
|
|
having to do with money
|
| |
|
first-time homebuyer:
|
|
a person who has not owned a home in the previous three years. If you owned a home with a former spouse, if you are a single parent, or if you owned a home without a foundation, you still qualify as a first-time homebuyer.
|
| |
|
fixed route bus service:
|
|
public bus service along regular routes at scheduled times. Bus stops are usually marked, and printed timetables are available.
|
| |
|
Food and Nutrition Service (FNS):
|
|
the agency in the federal government that is in charge of the Food Stamp Program, WIC, and the School Meals Program. The FNS is part of the United States Department of Agriculture (USDA).
|
| |
|
food co-op:
|
|
a group of people who work together to buy high quality food at low prices for their members. Much of the work is done by member volunteers.
|
| |
|
foreclosure:
|
|
when a homebuyer stops making required payments on a house loan, and the bank or other lender takes over the house and sells it to repay the loan
|
| |
|
formulary:
|
|
a list of drug products that are covered by a health plan
|
| |
|
fraud:
|
|
trying to get benefits for which you do not qualify, by giving false statements or withholding important information
|
| |
|
Freddie Mac:
|
|
the Federal Home Loan Mortgage Corporation, called Freddie Mac for short. A privately owned corporation approved by the Federal government to make mortgage funds available to more American families.
|
| |
|
FS/Work program:
|
|
Food Stamp Work Program
|
| |
|
fuel assistance:
|
|
a government program to help low-income households pay their heating bills during the winter
|
| |
|
GED:
|
|
General Educational Development, a program that gives adults the chance to earn a high school equivalency diploma
|
| |
|
general eligibility:
|
|
whether or not you qualify for benefits, based on where you live, your family situation, your citizenship, or other non-financial information
|
| |
|
generic drug:
|
|
a drug that has the same ingredients and effectiveness as a brand-name drug, but is usually less expensive because it does not have the brand-name label
|
| |
|
good cause:
|
|
circumstances beyond your control, that prevent you from meeting certain program requirements
|
| |
|
grant:
|
|
term used by DTA to name the amount of monthly benefits received by recipients
|
| |
|
green card:
|
|
a card issued by the Immigration and Naturalization Service showing you are a legal permanent resident of the U.S.
|
| |
|
gross earned income:
|
|
all of the money you get from working, before any deductions. Gross earned income includes, wages, salary, tips, and commissions, before any deductions for taxes, uniforms, union dues, or other payroll deductions.
|
| |
|
gross income:
|
|
all of the money you receive from all sources before any deductions
|
| |
|
Group Adult Foster Care (GAFC):
|
|
a MassHealth program that pays for personal care services and medication management for eligible seniors and adults with disabilities who live in GAFC-approved housing. It does not pay for housing costs.
|
| |
|
guardianship:
|
|
having the right to make long-term decisions about a child's life and upbringing, including decisions about religion, schooling, health care, activities, etc. (Can also apply to an adult who cannot make decisions for him/herself.)
|
| |
|
health insurance premium:
|
|
an amount you must pay on a regular basis, usually monthly, to pay for your health insurance
|
| |
|
health insurance:
|
|
health coverage that pays for all or part of your health care expenses such as hospitalization, doctor's visits, and lab tests. Health insurance companies usually charge a monthly fee (called a premium) for this coverage. MassHealth is free (or low-cost) government health insurance for eligible Massachusetts residents.
|
| |
|
health maintenance organization (HMO):
|
|
a group of doctors and other health care providers who work together to provide health care for their members, such as Fallon Community Health Plan or HMO Blue
|
| |
|
health plan:
|
|
an organized way for doctors and other health workers to give medical care to people covered by the plan. Health plans have rules about which doctors you can see and which services are included. Some health plans are only available in certain areas.
|
| |
|
Healthy Start:
|
|
a Massachusetts health care program offering free prenatal and obstetrical care to low-income uninsured women
|
| |
|
hematocrit:
|
|
a measurement of the percentage of red blood cells in your blood
|
| |
|
hemoglobin:
|
|
the part of the blood that carries oxygen from the lungs to other parts of the body
|
| |
|
Home Care Program:
|
|
a program of support services to help Massachusetts seniors live independently in their own homes. The program also offers respite services to caregivers. To qualify, seniors must meet income limits and show a need for support services. Depending on income, there may be a monthly co-payment for services.
|
| |
|
homebound:
|
|
unable to leave your home without help because of illness, disability, or frailty
|
| |
|
hospice services:
|
|
medical care for patients who are dying, and support services for their families. Hospice services may be provided in the home or in a medical facility.
|
| |
|
household:
|
|
people who live together, buy food together, and prepare meals together
|
| |
|
immigrant:
|
|
a person who comes from another country to settle permanently in the United States
|
| |
|
immigration status:
|
|
a classification given to people from other countries when they enter the United States (for example, refugee, asylee, or lawful permanent resident). Immigration status is determined by the U.S. Citizenship and Immigration Services (USCIS).
|
| |
|
immigration:
|
|
the act of coming into a country that is not your native land, to live there permanently
|
| |
|
immunization record:
|
|
a paper signed by a doctor or clinic showing the dates that immunizations (shots to prevent disease) were given
|
| |
|
immunization:
|
|
medicine that prevents a serious disease. It is given by a doctor or nurse either by injection (a "shot") or by mouth. Children in Massachusetts must be immunized before they can attend school.
|
| |
|
impairment:
|
|
a physical or mental condition that limits your ability to work and do normal daily activities
|
| |
|
income disregard:
|
|
a part of your income that is not counted when determining if you meet the income limits for an assistance program
|
| |
|
income:
|
|
money that you receive, either earned or unearned, on a regular basis
|
| |
|
income-eligible child care:
|
|
a program providing financial help to pay for child care for Massachusetts families who are working, in school, or disabled
|
| |
|
indigent:
|
|
not having enough money to pay for basic food or shelter
|
| |
|
ineligible:
|
|
not eligible; not allowed to get benefits
|
| |
|
informal child care:
|
|
also known as in-home/relative care. This is child care provided by an adult in the child's home or by a relative in the relative's home and does not require a license. It may or may not meet state standards.
|
| |
|
inpatient care:
|
|
care given to a patient who is admitted to a hospital or other medical facility and stays there overnight or longer
|
| |
|
interest:
|
|
money (usually a percentage of the amount you borrow) that a bank or other lender charges you to let you borrow money for a period of time
|
| |
|
legal immigrant:
|
|
a person who came to the United States from another country and has government permission to stay here
|
| |
|
licensed child care provider:
|
|
a child care provider who has been inspected by the Office of Child Care Services and meets the state rules for health, safety, and education
|
| |
|
long-term care facility
|
|
a home, such as a nursing home, for people who need ongoing medical attention for a long period of time. Long-term care facilities provide medical care, supervision, assistance with personal care, and social and recreational activities.
|
| |
|
long-term care:
|
|
all of the care you need if you are not able to care for yourself for a long period of time because of a chronic illness or disability. This includes care in a nursing home, assisted living facility, or your own home.
|
| |
|
mandated:
|
|
required by law
|
| |
|
Massachusetts Housing Partnership (MHP):
|
|
a public non-profit housing organization that works with the state government to increase the supply of affordable housing in Massachusetts. See the MHP Website for more information.
|
| |
|
Massachusetts Refugee Resettlement Program (MRRP):
|
|
a program offering case management, cash and medical assistance, and employment services (job skills training, job placement, and English language instruction) to newly arrived refugees who meet the income limits. The program's objective is to help refugees find jobs as quickly as possible.
|
| |
|
Massachusetts Rehabilitation Commission (MRC):
|
|
the state agency in charge of programs to help people with disabilities live and work independently. The agency has a Vocational Rehabilitation Program to help the disabled find work; a Community Services Program to help the disabled live on their own; and Disability Determination Services to decide eligibility for disability benefits. More information is available on the MRC web site.
|
| |
|
Massachusetts Rental Voucher Program (MRVP):
|
|
a state-funded rental assistance program for low-income families and individuals. The MRVP offers tenant-based vouchers that can be used for any approved apartment, and project-based vouchers that are restricted to certain rental units or developments.
|
| |
|
MassHealth:
|
|
a state health insurance program that pays for medical care for eligible low and medium-income residents of Massachusetts. Medicaid is part of MassHealth.
|
| |
|
MassNAHRO:
|
|
Massachusetts Chapter of the National Association of Housing and Redevelopment Officials (MassNAHRO), an organization of local public housing authorities and community development agencies. This organization maintains the Centralized Waiting List for Section 8 vouchers used by many local housing authorities. For more information, see Section 8 Centralized Waiting List.
|
| |
|
maternity leave:
|
|
period of time away from work due to pregnancy or childbirth
|
| |
|
median income:
|
|
the middle income for a group. Half of the group will have incomes above the median, and half will have incomes below the median.
|
| |
|
Medicaid:
|
|
a government health insurance program for low-income people of all ages, including children, pregnant women, people with disabilities, the elderly, and some working families
|
| |
|
medical referral:
|
|
when your primary care doctor authorizes you to see a specialist or to get other health care services that your primary doctor cannot provide
|
| |
|
medically necessary:
|
|
health care services that diagnose or prevent an illness or disability, or that cure conditions that are life-threatening or cause illness or pain.
|
| |
|
Medicare Part A:
|
|
Hospital insurance that helps pay for inpatient hospital stays, care in a skilled nursing facility, hospice care, and some home health care.
|
| |
|
Medicare Part B:
|
|
Medical insurance that helps pay for doctors' services, outpatient hospital care, and other medical services that are not covered by Part A
|
| |
|
Medicare:
|
|
a national health insurance program for people 65 and older and younger people with disabilities, that helps pay for medical care and hospital costs. To be eligible, you must be a U.S. citizen or legal resident, and either you or your spouse must have worked at least 10 years in a Medicare-covered job.
|
| |
|
Medicare-covered employment:
|
|
A job where your employer has withheld Medicare taxes (included in FICA taxes) from your wages, or where you are self-employed and have paid Medicare (FICA) taxes yourself.
|
| |
|
mortgage insurance:
|
|
insurance to protect the bank or other lender in case you stop making payments on your mortgage loan
|
| |
|
mortgage:
|
|
an agreement that gives a mortgage lender a legal claim to your house if you don't pay back the mortgage loan plus interest according to schedule. If you don't make your payments on time, the lender can foreclose, and take the house back from you and sell it to repay the loan.
|
| |
|
motor vehicle excise tax:
|
|
an annual local tax on your car or other vehicle, based on its value
|
| |
|
net income:
|
|
your gross income minus deductions
|
| |
|
noncountable assets:
|
|
assets that are not considered in determining eligibility. For most cash assistance programs, these include your home, your household belongings, and your vehicle.
|
| |
|
nonimmigrant:
|
|
a person who comes to the U.S. for a temporary period of time for a specific purpose. Examples are people coming to the U.S. for business, education, medical treatment, or social visits, or as members of sports teams or performing groups.
|
| |
|
nonlegend drug:
|
|
an over-the-counter drug that you can buy without a prescription
|
| |
|
notary public:
|
|
a person authorized by the government to witness signatures, administer oaths, and perform other official duties. Many city and town halls, banks, and lawyers' offices have notary publics. See Find a Notary Public for more information.
|
| |
|
nutrition:
|
|
having to do with food and healthy eating
|
| |
|
nutritionist:
|
|
a person who knows about food and diet and can help you choose the right foods to stay healthy
|
| |
|
Office of Child Care Services (OCCS):
|
|
the former state agency responsible for child care services in Massachusetts. The OCCS is now part of the Department of Early Education and Care (EEC).
|
| |
|
online:
|
|
while you are using a computer connected to the Internet
|
| |
|
open enrollment:
|
|
a time period during which a health plan allows new members to join, usually held once a year
|
| |
|
outpatient care:
|
|
care given to a patient in a doctor's office, hospital, or other medical facility when the patient is not admitted and does not stay overnight
|
| |
|
paratransit:
|
|
any type of shared-ride transportation (such as a van) that is not general fixed route public transportation. Paratransit service usually provides curb-to-curb service. You must call ahead to schedule your trip.
|
| |
|
parolees:
|
|
noncitizens who are allowed to enter the United States under emergency conditions or for the public benefit. Examples are emergency workers, people attending funerals, people with medical emergencies, and people testifying in court. Parolees cannot usually apply for permanent legal resident status.
|
| |
|
permanent:
|
|
lasting for a very long time; not temporary
|
| |
|
personal care activities:
|
|
also called activities of daily living (ADLs). Personal care tasks such as bathing, dressing, grooming, toileting, eating, transferring from a bed or chair, or moving about inside the home
|
| |
|
picture ID:
|
|
a card or paper that has your name and address and your picture to prove who you are
|
| |
|
portability:
|
|
being able to take a benefit with you when you move or change situations, for example, being able to keep a rent voucher when you move to a new city or state
|
| |
|
Portable Document Format (PDF):
|
|
a special computer file format that allows people with different types of computer systems to view and print documents from the Internet. To view or print PDF files, you must install a program called Adobe Reader on your computer. This program is free from the Adobe web site.
|
| |
|
postpartum:
|
|
the period of time after childbirth
|
| |
|
post-secondary education:
|
|
education that takes place after graduation from high school, including education provided by universities, community colleges, vocational colleges, and other college-level institutions
|
| |
|
preexisting condition:
|
|
a medical problem that you had before the date your health insurance coverage began
|
| |
|
preliminary eligibility check:
|
|
a quick unofficial check to see if you are likely to qualify for a service, often done before putting your name on a waiting list for that service
|
| |
|
premium assistance:
|
|
payment of all or part of your monthly health insurance fee (premium)
|
| |
|
premium:
|
|
a fee for insurance coverage, usually paid each month
|
| |
|
prenatal:
|
|
before birth
|
| |
|
preschool:
|
|
children from age 2 years, 9 months through age 5 but not yet eligible for kindergarten
|
| |
|
prescription:
|
|
a written order from a doctor for drugs or medical devices that are only available from a pharmacy and cannot be bought without a doctor's permission
|
| |
|
preventive care:
|
|
medical care for healthy people whose purpose is to prevent future illnesses, such as routine checkups, lab tests, and immunizations
|
| |
|
primary care provider (PCP):
|
|
the doctor or other health care provider you choose to be in charge of your medical care. Your primary care provider does your checkups, treats you for certain illnesses and conditions, and refers you to a specialist when needed. Also called a primary care physician.
|
| |
|
principal:
|
|
the amount of money you borrow to buy a house
|
| |
|
prior authorization:
|
|
approval that you get ahead of time, before you get a service or benefit. For example, MassHealth requires prior authorization for certain medical services or prescription drugs. If you do not contact MassHealth ahead of time to get approval, MassHealth will not pay for the service or prescription.
|
| |
|
priority:
|
|
being given attention before others who may be waiting
|
| |
|
private health insurance:
|
|
health insurance that is not paid for by the government. It may be offered by your employer, or you may buy it on your own.
|
| |
|
privately owned subsidized housing:
|
|
affordable rental housing that is not owned by the government, but is owned and managed privately. The government gives financial assistance to the owners to help keep rents low.
|
| |
|
project-based rental assistance:
|
|
rental assistance that is assigned to a particular apartment in a housing development. You can only use project-based rental assistance if you stay in your apartment. You must give up the rental assistance if you move.
|
| |
|
PRUCOL:
|
|
a person "permanently residing (in the U.S.) under color of law"; in other words, a person with questionable immigration status who is known to the Immigration and Naturalization Service and is allowed to remain in the U.S.
|
| |
|
public charge:
|
|
a person who depends on government cash assistance for support, or to pay for long-term care in an institution
|
| |
|
public housing:
|
|
housing owned by the government and managed by a local public housing authority
|
| |
|
qualified employer (MassHealth):
|
|
an employer (or self-employed person) who has no more than 50 employees, provides health insurance that meets the basic standards of MassHealth, pays at least 50% of the premium cost for that insurance, and takes part in the Insurance Partnership program
|
| |
|
Railroad Retirement Board (RRB):
|
|
An independent agency of the Federal government that handles benefit programs (including Medicare) for the nation's railroad workers and their families
|
| |
|
RCAP Solutions:
|
|
Resources for Communities and People, formerly known as Rural Housing Improvement, Inc. A regional non-profit housing agency serving Worcester and surrounding communities.
|
| |
|
references:
|
|
statements from people who know you, telling the kind of person you are. For example, a statement from a previous landlord saying you are a good tenant, or a statement from a former employer saying that you are a good worker.
|
| |
|
referral:
|
|
when a service provider gives you the name of a person or agency where you can go to get help or information
|
| |
|
refugee status:
|
|
an immigration status granted by the U.S. Citizenship & Immigration Service (USCIS) to people who meet the definition of refugee: "a person outside of his or her country of nationality who is unable or unwilling to return because of persecution or a well-founded fear of persecution on account of race, religion, nationality, membership in a particular social group, or political opinions." Refugee status is granted on a case-by-case basis after an interview with a USCIS officer.
|
| |
|
refugees:
|
|
people who have left their native country and cannot return because they face persecution based on their race, religion, nationality, membership in a particular social group, or political opinion
|
| |
|
register:
|
|
to sign up for a program or service
|
| |
|
rent allowance:
|
|
extra money included in the payment given to benefit recipients living in private unsubsidized housing to help pay the higher costs of this type of housing
|
| |
|
rental arrearage:
|
|
overdue back rent
|
| |
|
resources:
|
|
money you have or property you own; also called assets
|
| |
|
respite care:
|
|
short-term services given to family members or other unpaid caregivers to help relieve the stress of caring for a senior or disabled person on a daily basis. Respite care allows the caregiver to take a vacation, leave the home, rest, or handle an emergency. Services may be provided in the home, or in a facility.
|
| |
|
restraining order:
|
|
a court order to prevent one person from doing harm to another
|
| |
|
retroactive:
|
|
starting or taking effect at a date in the past
|
| |
|
Section 8:
|
|
a federal government housing assistance program for low-income families and individuals. Section 8 assistance may be in the form of rent vouchers given to tenants to help pay their rent; homeownership assistance to help pay a mortgage loan; or project-based subsidies used to keep rents low in specific private housing developments.
|
| |
|
security deposit:
|
|
money you have to pay to a landlord when first renting an apartment to pay for any damage you might do or any unpaid rent. The security deposit, minus any amount you owe, is returned to you when you move out of the apartment.
|
| |
|
self-declaration:
|
|
a statement that is accepted as true because you said so, without other proof. If you have no other documents to give as proof of eligibility on an application, some programs allow self-declarations.
|
| |
|
self-sufficient:
|
|
able to take care of one's own needs (for food, housing, etc.) without public assistance or help from anyone else
|
| |
|
service need:
|
|
the amount of help someone needs to solve a problem. For example, the number of days and hours of child care a parent needs to be able to go to work.
|
| |
|
service provider:
|
|
the person who helps you when you go to a public agency
|
| |
|
shelter costs:
|
|
the amount you pay for rent or mortgage, utilities, taxes, and house insurance
|
| |
|
SHINE:
|
|
SHINE (Serving the Health Information Needs of Elders) is a free, volunteer-based health insurance counseling program sponsored by the Massachusetts Office of Elder Affairs. SHINE's goal is to help elderly and disabled adults understand their Medicare and MassHealth benefits and other health insurance options. For more information, visit The Shine Program.
|
| |
|
sliding fee scale:
|
|
a list of costs for a service (such as child care) that are based on your income. For example, if you have a small income, you will pay less for a service than someone with a larger income.
|
| |
|
Social Day Care:
|
|
a program for adults who need out-of-home supervision during the daytime, but do not need nursing care. Services include personal care assistance, meals, and social and recreational activities.
|
| |
|
Social Secuity:
|
|
a social insurance program that offers basic retirement, disability, survivor, and Medicare benefits to workers in the United States
|
| |
|
Social Security Administration (SSA):
|
|
the agency in the U.S. government that is in charge of Social Security retirement and disability benefits, Medicare, and Supplemental Security Income (SSI)
|
| |
|
Social Security Disability Insurance (SSDI):
|
|
a cash benefit program for people who have worked at jobs covered by Social Security and then become disabled. Monthly benefits continue until you are able to work again.
|
| |
|
Social Security number:
|
|
a 9-digit U.S. government identification number for people living in the U.S. Each number is unique to an individual.
|
| |
|
soup kitchen:
|
|
a place where people cook and serve food to those who do not have the money to buy and cook their own food. The meals are free.
|
| |
|
special needs:
|
|
physical or mental problems that prevent a person from being able to care for himself
|
| |
|
specialist:
|
|
a person who has special training and knowledge about a particular condition or activity. For example, a doctor may be a specialist in a particular disease or part of the body.
|
| |
|
sponsor deeming:
|
|
when the income and assets of a noncitizen's sponsor are counted in determining financial eligibility for government assistance. Some assistance programs require sponsor deeming; others do not. Deeming usually only applies to sponsored noncitizens who came to the U.S. on or after 12/19/97 and whose sponsors have signed an affidavit of support (form I-864).
|
| |
|
sponsored noncitizen:
|
|
a noncitizen allowed to enter the U.S. as a lawful permanent resident with the condition that a sponsor will provide financial support for the noncitizen to prevent the noncitizen from becoming a public charge
|
| |
|
SSI-G:
|
|
the Supplemental Security Income (SSI) payment level for people living in approved assisted living residences (ALRs) and taking part in Group Adult Foster Care. The SSI-G payment level is considerably higher than the standard SSI benefit, to help pay the higher housing costs in ALRs.
|
| |
|
state median income (SMI):
|
|
the middle value in the distribution of incomes for Massachusetts families of a particular size. The SMI is set each year by the U.S. Dept. of Health and Human Services and is used to decide income eligibility for some assistance programs.
|
| |
|
subsidized:
|
|
at a lower cost than usual, because the government pays all or part of the cost
|
| |
|
subsidy:
|
|
financial help given to a family or individual by the government to help pay for a needed service such as housing or child care
|
| |
|
substance abuse:
|
|
when the use of alcohol or drugs takes over a person's life and prevents that person from living a normal healthy life
|
| |
|
substandard housing:
|
|
housing with serious problems or code violations that threatens the health, safety, and well-being of the people living there
|
| |
|
substandard housing:
|
|
housing that is not in good repair or unsafe
|
| |
|
supplemental insurance:
|
|
insurance that adds to the insurance you already have, by paying some of the fees you would otherwise have to pay, or by adding new benefits
|
| |
|
Supplemental Security Income (SSI):
|
|
a government cash assistance program for people who are 65 or older, and for people of any age who are disabled or blind
|
| |
|
surcharge:
|
|
an extra charge on top of what you already have to pay
|
| |
|
TEMP:
|
|
Transitional Employment for Massachusetts Parents
|
| |
|
tenant-based voucher:
|
|
a type of rent voucher that can be used for any rental unit of the tenant's choice, as long as it meets program standards. The tenant is free to move from one apartment to another and continue to use the voucher.
|
| |
|
Transitional Aid to Families w Dependent Children:
|
|
Transitional Aid to Families with Dependent Children, commonly called TAFDC, is a government cash assistance program, also known as "welfare"
|
| |
|
U.S. Citizenship & Immigration Services (USCIS)
|
|
the federal agency in charge of immigration law
|
| |
|
Unaccompanied Refugee Minors Program:
|
|
a special program to resettle refugee and asylee youth who are without parents. Minors are placed in foster care or independent living situations, depending on their needs. They are given intensive case management, including counseling, medical care, education, financial support, recreation, English classes, independent skills training, and legal assistance. For more information, see The Unaccompanied Refugee Minors Program from the U.S. Office of Refugee Resettlement.
|
| |
|
underserved area:
|
|
a census tract or other geographic area with special homeownership programs that make it easier for homebuyers to get loans. Underserved areas have high minority populations and/or low median incomes. The U.S. Department of Housing and Urban Development (HUD) decides which areas are underserved.
|
| |
|
undocumented immigrant:
|
|
a person who does not have permission to enter or stay in the United States
|
| |
|
undocumented noncitizen:
|
|
a person who is in the United States without permission of the U.S. government
|
| |
|
unearned income:
|
|
income you receive without working for it (interest, unemployment compensation, pensions, etc.)
|
| |
|
unemployment compensation:
|
|
cash payments made to eligible unemployed people who lost their jobs through no fault of their own, worked in qualifying jobs for a certain period of time, are looking for work, and who file a proper claim. Benefits are NOT based on need.
|
| |
|
United States Citizenship and Immigration Services (USCIS):
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the government agency in charge of immigration and citizenship services, including family-based and employment-based petitions, asylum and refugee processing, naturalization, special status programs, and immigration documents. Part of the U.S. Department of Homeland Security. The USCIS official web site is USCIS.gov
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United States Department of Agriculture (USDA):
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the department within the U.S. government that is in charge of food stamps, other food and nutrition programs, food safety, conservation, national parks, agricultural research, and international food aid
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unsubsidized housing:
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housing where the tenant pays the full rent (without any help from the government)
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unsubsidized:
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full cost, without any help from the government or other funding source
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urgent care:
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health services needed to treat a sudden and serious illness or injury, which, if left untreated for more than 24 hours, would be harmful but not life-threatening
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utility:
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a service such as gas, electricity, water, or sewer, that is provided to the public and regulated by the government
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VA benefits:
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benefits received through the Department of Veterans’ Affairs
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videoconference:
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a live connection between two or more people at different locations using cameras and sound equipment, so that the people can communicate "face-to-face" even though they are in different places
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Voluntary Agency (VOLAG):
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a national organization that contracts with the government to provide resettlement services for refugees when they first come to the United States.
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volunteer:
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a person who willingly does a job without pay
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voucher:
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a certificate given by the government that can be exchanged for housing, child care, or other services. It is proof that the government will pay for the service.
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waive:
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to put aside (for example, to not enforce a rule)
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waiver:
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when a rule is not applied because of special circumstances
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weatherization:
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home repairs, such as insulation and weather-stripping, that make your home more energy-efficient and help lower your heating costs.
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web browser:
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a computer program that is used to view web pages on the Internet. The two most common web browsers are Netscape Navigator and Microsoft Internet Explorer, but other web browsers are also available.
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Women's Health Network (WHN):
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a program for low- and moderate-income Massachusetts women that offers free breast and cervical cancer screening and counseling at over 90 locations throughout the state. For more information, call toll-free 1-877-414-4447 (TTY 617-624-5992), or visit the WHN web site at Women's Health Network.
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Worcester Community Action Council (WCAC):
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a local community action agency serving Worcester, Massachusetts and surrounding towns, offering many types of assistance to low-income residents and other community members
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Worcester Housing Authority (WHA):
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the government agency in charge of public housing and rental assistance programs in Worcester
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Worcester Regional Transit Authority (WRTA):
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the agency in charge of public transportation services for Worcester and surrounding towns
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Work Opportunity Tax Credit (WOTC):
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a federal tax credit for employers who hire workers from certain hard-to-place target groups, such as: low-income ex-felons; TAFDC family members; SSI recipients; young adults from designated communities. For details, see Work Opportunity Tax Credit Program
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