Apply North Carolina Work First's $3,000 resource limit

changelog.d/fix-10685-nc-work-first-resources.fixed.md

@@ -0,0 +1 @@
+North Carolina Work First applies its $3,000 resource limit (10A NCAC 71W .0407).

policyengine_us/parameters/gov/states/nc/ncdhhs/tanf/resources/limit.yaml

@@ -0,0 +1,18 @@
+description: North Carolina limits the Temporary Assistance for Needy Families program to units with countable resources up to this amount.
+
+values:
+  # The earliest source found is the Work First Manual's 2009 resources section; the value is
+  # backdated to the program's start, as the other North Carolina TANF parameters are.
+  1997-01-01: 3_000
+
+metadata:
+  unit: currency-USD
+  period: year
+  label: North Carolina TANF resource limit
+  reference:
+    - title: 10A NCAC 71W .0407 - Reserve
+      href: https://regulations.justia.com/states/north-carolina/title-10a/chapter-71/subchapter-w/section-0400/section-71w-0407
+    - title: Work First Manual, section 115 - Resources (I.A. Resource Limit)
+      href: https://policies.ncdhhs.gov/wp-content/uploads/wf115.pdf#page=1
+    - title: North Carolina TANF State Plan FFY 2026-2028, Financial Rules 1-2
+      href: https://www.ncdhhs.gov/efs-wf-06-2025a2/open#page=18

policyengine_us/tests/policy/baseline/gov/states/nc/ncdhhs/tanf/integration.yaml

@@ -502,3 +502,98 @@
     nc_tanf_countable_gross_unearned_income: 3_600
     # Need standard for 1: 362 a month; 0.5 * (362 - 300) = 31 a month
     nc_tanf: 31 * 12
+
+- name: One adult and one child with no income and $3,000 in the bank receive the full payment.
+  period: 2024
+  input:
+    people:
+      person1:
+        age: 30
+        bank_account_assets: 3_000
+      person2:
+        age: 17
+    spm_units:
+      spm_unit:
+        members: [person1, person2]
+    households:
+      household:
+        members: [person1, person2]
+        state_code: NC
+  output:
+    # $3,000 is at the limit (10A NCAC 71W .0407), so the unit stays eligible.
+    nc_tanf: (472 - 0) * 0.5 * 12
+
+- name: One adult and one child with no income and $5,000 in stocks receive nothing.
+  period: 2024
+  input:
+    people:
+      person1:
+        age: 30
+        stock_assets: 5_000
+      person2:
+        age: 17
+    spm_units:
+      spm_unit:
+        members: [person1, person2]
+    households:
+      household:
+        members: [person1, person2]
+        state_code: NC
+  output:
+    # $5,000 of countable resources exceeds the $3,000 limit.
+    nc_tanf: 0
+
+- name: An SSI-recipient parent with $4,000 in the bank and a child aged 10 receive $181 per month.
+  period: 2025
+  input:
+    people:
+      parent:
+        age: 35
+        ssi: 11_000
+        bank_account_assets: 4_000
+      child:
+        age: 10
+    spm_units:
+      spm_unit:
+        members: [parent, child]
+    households:
+      household:
+        members: [parent, child]
+        state_code: NC
+  output:
+    # The SSI parent is not in the household size, and their income and
+    # resources do not count (10A NCAC 71W .0407(b)(1)).
+    nc_tanf_household_size: 1
+    nc_tanf_countable_gross_unearned_income: 0
+    nc_tanf_countable_resources: 0
+    nc_tanf_resources_eligible: true
+    # Need standard for 1: 362 a month; 0.5 * (362 - 0) = 181 a month
+    nc_tanf: 181 * 12  # 2_172
+
+- name: A parent, an SSI-recipient child aged 8 with $4,000 in the bank, and a child aged 5 receive $236 per month.
+  period: 2025
+  input:
+    people:
+      parent:
+        age: 35
+      child1:
+        age: 8
+        ssi: 11_000
+        bank_account_assets: 4_000
+      child2:
+        age: 5
+    spm_units:
+      spm_unit:
+        members: [parent, child1, child2]
+    households:
+      household:
+        members: [parent, child1, child2]
+        state_code: NC
+  output:
+    # The SSI child is not in the household size, and their resources do not
+    # count (10A NCAC 71W .0407(b)(2)).
+    nc_tanf_household_size: 2
+    nc_tanf_countable_resources: 0
+    nc_tanf_resources_eligible: true
+    # Need standard for 2: 472 a month; 0.5 * (472 - 0) = 236 a month
+    nc_tanf: 236 * 12  # 2_832

policyengine_us/tests/policy/baseline/gov/states/nc/ncdhhs/tanf/nc_tanf_countable_resources.yaml

@@ -0,0 +1,96 @@
+- name: Bank, stock and bond assets count; vehicle value does not.
+  period: 2025
+  input:
+    people:
+      parent:
+        age: 30
+        bank_account_assets: 1_000
+        stock_assets: 1_500
+        bond_assets: 700
+      child:
+        age: 5
+    spm_units:
+      spm_unit:
+        members: [parent, child]
+    households:
+      household:
+        members: [parent, child]
+        state_code: NC
+        household_vehicles_value: 20_000
+  output:
+    # 1,000 + 1,500 + 700 = 3,200; the vehicle is excluded.
+    nc_tanf_countable_resources: 3_200
+    nc_tanf_resources_eligible: false
+
+- name: An SSI-recipient parent's $4,000 bank balance does not count.
+  period: 2025
+  input:
+    people:
+      parent:
+        age: 35
+        ssi: 11_000
+        bank_account_assets: 4_000
+      child:
+        age: 10
+    spm_units:
+      spm_unit:
+        members: [parent, child]
+    households:
+      household:
+        members: [parent, child]
+        state_code: NC
+  output:
+    # 10A NCAC 71W .0407(b)(1): a parent's resources count unless the parent
+    # receives SSI. 4,000 - 4,000 = 0.
+    nc_tanf_countable_resources: 0
+    nc_tanf_resources_eligible: true
+
+- name: An SSI-recipient child's $4,000 bank balance does not count.
+  period: 2025
+  input:
+    people:
+      parent:
+        age: 35
+      child1:
+        age: 8
+        ssi: 11_000
+        bank_account_assets: 4_000
+      child2:
+        age: 5
+    spm_units:
+      spm_unit:
+        members: [parent, child1, child2]
+    households:
+      household:
+        members: [parent, child1, child2]
+        state_code: NC
+  output:
+    # 10A NCAC 71W .0407(b)(2): a child's resources count only if the child
+    # is in the payment, and an SSI recipient is not. 4,000 - 4,000 = 0.
+    nc_tanf_countable_resources: 0
+    nc_tanf_resources_eligible: true
+
+- name: Only the SSI recipient's share is removed when other members also hold assets.
+  period: 2025
+  input:
+    people:
+      parent:
+        age: 35
+        receives_ssi: true
+        bank_account_assets: 4_000
+        stock_assets: 2_000
+      child:
+        age: 10
+        bank_account_assets: 3_500
+    spm_units:
+      spm_unit:
+        members: [parent, child]
+    households:
+      household:
+        members: [parent, child]
+        state_code: NC
+  output:
+    # Total 4,000 + 2,000 + 3,500 = 9,500; the SSI parent's 6,000 is removed.
+    # 9,500 - 6,000 = 3,500, which exceeds the 3,000 limit.
+    nc_tanf_countable_resources: 3_500
+    nc_tanf_resources_eligible: false

policyengine_us/tests/policy/baseline/gov/states/nc/ncdhhs/tanf/nc_tanf_eligible.yaml

@@ -24,3 +24,13 @@
     nc_tanf_income_eligible: true
   output:
     nc_tanf_eligible: false
+
+- name: Demographic and income eligible, but resources above the limit.
+  period: 2024
+  input:
+    state_code: NC
+    nc_demographic_tanf_eligible: true
+    nc_tanf_income_eligible: true
+    nc_tanf_resources_eligible: false
+  output:
+    nc_tanf_eligible: false

policyengine_us/tests/policy/baseline/gov/states/nc/ncdhhs/tanf/nc_tanf_resources_eligible.yaml

@@ -0,0 +1,15 @@
+- name: Countable resources at the $3,000 limit are allowed.
+  period: 2025
+  input:
+    state_code: NC
+    nc_tanf_countable_resources: 3_000
+  output:
+    nc_tanf_resources_eligible: true
+
+- name: Countable resources above the $3,000 limit make the unit ineligible.
+  period: 2025
+  input:
+    state_code: NC
+    nc_tanf_countable_resources: 3_001
+  output:
+    nc_tanf_resources_eligible: false

policyengine_us/variables/gov/states/nc/ncdhhs/tanf/nc_tanf_countable_resources.py

@@ -0,0 +1,48 @@
+from policyengine_us.model_api import *
+
+
+class nc_tanf_countable_resources(Variable):
+    value_type = float
+    entity = SPMUnit
+    label = "North Carolina TANF countable resources"
+    unit = USD
+    definition_period = YEAR
+    quantity_type = STOCK
+    reference = (
+        "https://regulations.justia.com/states/north-carolina/title-10a/chapter-71/subchapter-w/section-0400/section-71w-0407",
+        # PDF pages 6-7
+        "http://reports.oah.state.nc.us/ncac/title%2010a%20-%20health%20and%20human%20services/chapter%2071%20-%20adult%20and%20family%20support/subchapter%20w/subchapter%20w%20rules.pdf#page=6",
+        # PDF pages 2-4
+        "https://policies.ncdhhs.gov/wp-content/uploads/wf115.pdf#page=2",
+    )
+    defined_for = StateCode.NC
+
+    def formula(spm_unit, period, parameters):
+        # 10A NCAC 71W .0407(d)-(e) and Work First Manual section 115, II:
+        # cash, checking and savings accounts, stocks, bonds and mutual fund
+        # shares count; motor vehicles, real property and retirement funds do
+        # not. Simplification: .0407(d)(3) and (e)(5) exclude the part of a
+        # checking account that is the month's income deposited for the
+        # family's needs, but bank_account_assets has no such split, so the
+        # full balance counts.
+        total = spm_unit("spm_unit_cash_assets", period)
+        # .0407(b)(1)-(2): a parent's resources count unless the parent
+        # receives SSI, and a child's count only if the child is in the
+        # payment, which SSI recipients are not (as in nc_tanf_household_size
+        # and the NC TANF income variables). The excluded members' share is
+        # subtracted from the unit aggregate, so households that supply only
+        # spm_unit_cash_assets keep the aggregate behavior.
+        # Limitation: .0407(b) does not list non-parent adults (for example a
+        # grandparent caretaker in a child-only case, an adult sibling or an
+        # unmarried partner), but their resources count here, as their income
+        # does in the NC TANF income variables.
+        person = spm_unit.members
+        is_ssi_recipient = (person("ssi", period) > 0) | person("receives_ssi", period)
+        # Read the components from spm_unit_cash_assets.adds, so the
+        # subtraction removes exactly the excluded members' share.
+        components = spm_unit.simulation.tax_benefit_system.get_variable(
+            "spm_unit_cash_assets"
+        ).adds
+        person_assets = add(person, period, components)
+        excluded_assets = spm_unit.sum(person_assets * is_ssi_recipient)
+        return max_(total - excluded_assets, 0)

policyengine_us/variables/gov/states/nc/ncdhhs/tanf/nc_tanf_eligible.py

@@ -11,5 +11,6 @@ class nc_tanf_eligible(Variable):
     def formula(spm_unit, period, parameters):
         is_demographically_eligible = spm_unit("nc_demographic_tanf_eligible", period)
         is_income_eligible = spm_unit("nc_tanf_income_eligible", period)
+        is_resources_eligible = spm_unit("nc_tanf_resources_eligible", period)
 
-        return is_income_eligible & is_demographically_eligible
+        return is_income_eligible & is_demographically_eligible & is_resources_eligible

policyengine_us/variables/gov/states/nc/ncdhhs/tanf/nc_tanf_resources_eligible.py

@@ -0,0 +1,18 @@
+from policyengine_us.model_api import *
+
+
+class nc_tanf_resources_eligible(Variable):
+    value_type = bool
+    entity = SPMUnit
+    label = "North Carolina TANF resources eligible"
+    definition_period = YEAR
+    reference = (
+        "https://regulations.justia.com/states/north-carolina/title-10a/chapter-71/subchapter-w/section-0400/section-71w-0407",
+        "https://policies.ncdhhs.gov/wp-content/uploads/wf115.pdf#page=1",
+    )
+    defined_for = StateCode.NC
+
+    def formula(spm_unit, period, parameters):
+        p = parameters(period).gov.states.nc.ncdhhs.tanf.resources
+        countable_resources = spm_unit("nc_tanf_countable_resources", period)
+        return countable_resources <= p.limit