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The Wise Senior

📜 Where every number comes from

No figure on this site is typed from memory. Every changing number lives in a versioned rule pack transcribed from its official source, stamped with the date we verified it, and republished verbatim as machine-readable JSON at /rulepacks/index.json so anyone — including AI assistants — can audit us.

PackAgencyOfficial sourceEffectiveVerifiedStatus
cpi-u-seriesBLSBLS Public Data API, series CUUR0000SA0 — CPI-U, U.S. city average, all items, not seasonally adjusted (1982-84=100). Values cross-checked against the CPI news releases; release dates from the BLS Schedule of Releases for the Consumer Price Index.2026-01-012026-08-02✓ verified
irmaa-2026CMSCMS fact sheet, "2026 Medicare Parts A & B Premiums and Deductibles / 2026 Medicare Part D Income-Related Monthly Adjustment Amounts" (November 14, 2025); the same tables appear in CMS-8091-N, 90 FR 52063 (November 19, 2025) and on Form SSA-44 (12-2025)2026-01-012026-08-02✓ verified
irmaa-2027-projectedCMSCMS Newsroom — the annual Medicare Part B premium, deductible and income-related monthly adjustment amount fact sheet, published each November for the following calendar year.2027-01-012026-08-02pending
medicare-part-a-2026CMSCMS fact sheet, "2026 Medicare Parts A & B Premiums and Deductibles" (November 14, 2025); cross-checked against MLN Matters MM14279, "Medicare Deductible, Coinsurance & Premium Rates: CY 2026 Update" (December 5, 2025)2026-01-012026-08-02✓ verified
medigap-ma-facts-2026CMSMedicare.gov, "Compare Medigap plan benefits" (standardized plan letters, plans closed after January 1 2020, Plan K and L out-of-pocket limits); the Advantage out-of-pocket maximum is from CMS, "CY 2026 MOOP and Cost Sharing Limit Calculations" (https://www.cms.gov/files/zip/cy-2026-moop-and-cost-sharing-limit-calculations.zip), file CSV/MOOP Limits.csv, Table 1 row E2026-01-012026-08-02✓ verified
msp-2026CMSMedicare.gov, Medicare Savings Programs — 2026 monthly income and resource limits; Extra Help limits from Medicare.gov drug-cost help; poverty guidelines from HHS ASPE2026-01-012026-08-02✓ verified
part-b-premium-2026CMSCMS fact sheet, "2026 Medicare Parts A & B Premiums and Deductibles" (released November 14, 2025); figures identical to the statutory notice CMS-8091-N, 90 FR 52063 (November 19, 2025)2026-01-012026-08-02✓ verified
part-d-2026CMSCMS, "Annual Release of Part D National Average Monthly Bid Amount and Other Part C & D Bid Information" (July 28, 2025) for the national base beneficiary premium; CMS, "Final CY 2026 Part D Redesign Program Instructions" (https://www.cms.gov/files/document/final-cy-2026-part-d-redesign-program-instruction.pdf) for the defined-standard deductible and the annual out-of-pocket threshold2026-01-012026-08-02✓ verified
penalties-2026CMSMedicare.gov, "Avoid late enrollment penalties"; formulas cross-checked against MLN Matters MM14279, "Medicare Deductible, Coinsurance & Premium Rates: CY 2026 Update" (December 5, 2025)2026-01-012026-08-02✓ verified
eldercare-costs-2026INDUSTRY-SURVEYCareScout (formerly Genworth) Cost of Care Survey 2025, fielded July-November 20252026-01-012026-08-02✓ verified
funeral-costs-2026INDUSTRY-SURVEYNational Funeral Directors Association General Price List survey (2023 prices), NFDA Media Center statistics, page data last updated September 29, 20252026-01-012026-08-02✓ verified
enrollment-windows-2026MEDICAREMedicare.gov, "When does Medicare coverage start?" (Initial, General and Special Enrollment Periods); plan windows from Medicare.gov, "Joining a plan" (https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan); Medigap window from Medicare.gov, "Medigap basics" (https://www.medicare.gov/health-drug-plans/medigap/basics)2026-01-012026-08-02✓ verified
ss-constants-2026SSASSA — Cost-of-Living Adjustment (COLA) Information for 20262026-01-012026-08-02✓ verified
ss-payment-schedule-2026SSASocial Security Administration Publication No. 05-10031, January 2026 — Schedule of Social Security Benefit Payments 20262026-01-012026-08-03✓ verified
ssa44-eventsSSASocial Security Administration, Form SSA-44 (12-2025), "Medicare Income-Related Monthly Adjustment Amount — Life-Changing Event", OMB No. 0960-0784; events from Step 1, evidence from the table on page 82026-01-012026-08-02✓ verified
medicaid-ltc-ak-2026STATE-MEDICAIDAlaska Division of Public Assistance — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
medicaid-ltc-al-2026STATE-MEDICAIDAlabama Medicaid Agency, Medicaid Income Limits for 2026 (Medicaid eligibility handout, Form 207)2026-01-012026-08-02✓ verified
medicaid-ltc-ar-2026STATE-MEDICAIDArkansas Department of Human Services — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
medicaid-ltc-az-2026STATE-MEDICAIDArizona Health Care Cost Containment System (AHCCCS) — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
medicaid-ltc-ca-2026STATE-MEDICAIDCalifornia Department of Health Care Services — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
medicaid-ltc-co-2026STATE-MEDICAIDColorado Department of Health Care Policy and Financing, Operational Memo HCPF OM 25-073 — 2026 Social Security Cost of Living Adjustments (issued December 9, 2025)2026-01-012026-08-02✓ verified
medicaid-ltc-ct-2026STATE-MEDICAIDConnecticut Department of Social Services, What is HUSKY C? — with the DSS Program Standards Chart effective 07/01/20262026-01-012026-08-02✓ verified
medicaid-ltc-dc-2026STATE-MEDICAIDDistrict of Columbia Department of Health Care Finance, Long-term Care (LTC) (updated January 2026)2026-01-012026-08-02✓ verified
medicaid-ltc-de-2026STATE-MEDICAIDDelaware Register of Regulations, January 2026 — Department of Health and Social Services, Division of Social Services Manual 20000 Medicaid Long Term Care (effective 1/11/2026)2026-01-012026-08-02✓ verified
medicaid-ltc-fl-2026STATE-MEDICAIDFlorida Department of Children and Families — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
medicaid-ltc-ga-2026STATE-MEDICAIDGeorgia Department of Community Health, 2026 ABD Income and Resource Limits, with the Department's 2026 Financial Limits chart2026-01-012026-08-02✓ verified
medicaid-ltc-hi-2026STATE-MEDICAIDHawaii Med-QUEST Division, 2026 MAGI-Excepted Income Standards and Asset Limits (effective 01/13/2026), with Hawaii Administrative Rules 17-1725.1 and 17-1724.12026-01-012026-08-02✓ verified
medicaid-ltc-ia-2026STATE-MEDICAIDIowa Department of Health and Human Services, Employees' Manual Title 8 Medicaid, Chapter F — Coverage Groups (300% Income Level) and Chapter D — Resources2026-01-012026-08-02✓ verified
medicaid-ltc-id-2026STATE-MEDICAIDIdaho Department of Health and Welfare, Medicaid Program Income Limits, with IDAPA 16.03.05 Eligibility for Aid to the Aged, Blind and Disabled2026-01-012026-08-02✓ verified
medicaid-ltc-il-2026STATE-MEDICAIDIllinois Department of Human Services, WAG 25-03-02(2) Medical FPLs — 2026 Monthly Income Standards, Resources, and Program Standards2026-01-012026-08-02✓ verified
medicaid-ltc-in-2026STATE-MEDICAIDIndiana Family and Social Services Administration, Indiana Health Coverage Program Policy Manual Chapter 3000 — Eligibility Standards2026-01-012026-08-02✓ verified
medicaid-ltc-ks-2026STATE-MEDICAIDKansas Department of Health and Environment, Kansas Medical Assistance Standards, Form F-8 (rev. 07-26)2026-01-012026-08-02✓ verified
medicaid-ltc-ky-2026STATE-MEDICAIDKentucky Cabinet for Health and Family Services, Division of Family Support Operation Manual Volume IX, Transmittal OMTL-690 (3/9/26) — 2026 Federal Poverty Level increase and 2026 Spousal Impoverishment Standards, with 907 KAR 20:0252026-01-012026-08-02✓ verified
medicaid-ltc-la-2026STATE-MEDICAIDLouisiana Department of Health, Medicaid Eligibility Manual chart Z-700 — Long Term Care/HCBS/Adult Residential Care Special Income Level, Resource Limits and Personal Care Needs Allowance (reissued January 7, 2026)2026-01-012026-08-02✓ verified
medicaid-ltc-ma-2026STATE-MEDICAIDMassHealth, Program financial guidelines for certain MassHealth applicants and members — 2026 MassHealth Income Standards and Federal Poverty Guidelines (updated January 6, 2026)2026-01-012026-08-02✓ verified
medicaid-ltc-md-2026STATE-MEDICAIDMaryland Department of Health, Medical Assistance Manual Appendix Schedules — 2026 Updates effective 1/1/2026 (Schedules MA-1, MA-2, MA-2A, MA-6, MA-8, MA-10), with Manual Section 1000 Eligibility for Institutionalized Persons2026-01-012026-08-02✓ verified
medicaid-ltc-me-2026STATE-MEDICAIDMaine Department of Health and Human Services, MaineCare Eligibility Manual Chapter 332 — Appendices and Charts, with the Department's MaineCare Eligibility Guidelines2026-01-012026-08-02✓ verified
medicaid-ltc-mi-2026STATE-MEDICAIDMichigan Department of Health and Human Services, Reference Tables Manual RFT 248 — SSI Payment Levels (RFB 2026-006, effective 5-1-2026), with Bridges Eligibility Manual BEM 400 Assets and BEM 402 Special MA Asset Rules2026-01-012026-08-02✓ verified
medicaid-ltc-mn-2026STATE-MEDICAIDMinnesota Department of Human Services, Health Care Programs Eligibility Policy Manual, Appendix F — Standards and Guidelines2026-01-012026-08-02✓ verified
medicaid-ltc-mo-2026STATE-MEDICAIDMissouri Family Support Division, Appendix J — Eligibility Standards for Non-MAGI Programs (07/2026)2026-01-012026-08-02✓ verified
medicaid-ltc-ms-2026STATE-MEDICAIDMississippi Division of Medicaid, Medicaid Eligibility for the Aged, Blind and Disabled Residing in a Nursing Facility or Participating in a Home and Community Based Services (HCBS) Waiver Program (revised 01/01/2026)2026-01-012026-08-02✓ verified
medicaid-ltc-mt-2026STATE-MEDICAIDMontana Department of Public Health and Human Services, Aged, Blind and Disabled Medicaid 013 — Table of Standards: Nursing Home Residents-Income (effective 01/01/2026), with Combined Medicaid 001 Table of Standards: General Resource Limits2026-01-012026-08-02✓ verified
medicaid-ltc-nc-2026STATE-MEDICAIDNorth Carolina Department of Health and Human Services, Aged, Blind and Disabled Medicaid Manual MA-2230 Financial Resources, with MA-2940 the 2026 cost-of-living adjustment and MA-3260 the Community Alternatives Program2026-01-012026-08-02✓ verified
medicaid-ltc-nd-2026STATE-MEDICAIDNorth Dakota Health and Human Services, Medicaid Billing and Policy Manual — Nursing Facilities (updated April 2026), with the Department's Medicaid eligibility pages2026-01-012026-08-02✓ verified
medicaid-ltc-ne-2026STATE-MEDICAIDNebraska Department of Health and Human Services, 477-000-012 — Income Levels/Federal Poverty Levels and Resources (figures effective 1/1/2026 unless noted)2026-01-012026-08-02✓ verified
medicaid-ltc-nh-2026STATE-MEDICAIDNew Hampshire Department of Health and Human Services, Bureau of Family Assistance Program Fact Sheet (07/2026), with the Bureau's Standard of Need release and New Hampshire administrative rules He-W 8002026-01-012026-08-02✓ verified
medicaid-ltc-nj-2026STATE-MEDICAIDNew Jersey Division of Medical Assistance and Health Services — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
medicaid-ltc-nm-2026STATE-MEDICAIDNew Mexico Health Care Authority — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
medicaid-ltc-nv-2026STATE-MEDICAIDNevada Division of Health Care Financing and Policy — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
medicaid-ltc-ny-2026STATE-MEDICAIDNew York State Department of Health, GIS 26 MA/05 Attachment 1 — New York State Income and Resource Standards for Non-MAGI Population, Effective January 1, 20262026-01-012026-08-02✓ verified
medicaid-ltc-oh-2026STATE-MEDICAIDOhio Department of Medicaid — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
medicaid-ltc-ok-2026STATE-MEDICAIDOklahoma Human Services, Appendix C-1 — Maximum Income, Resource, and Payment Standards (effective 7/1/2026)2026-01-012026-08-02✓ verified
medicaid-ltc-or-2026STATE-MEDICAIDOregon Department of Human Services, Oregon Programs Eligibility Notebook (OPEN), 100-13450 / DHS 2818 (04/2026)2026-01-012026-08-02✓ verified
medicaid-ltc-pa-2026STATE-MEDICAIDPennsylvania Department of Human Services, Medical Assistance and payment of Long-Term Care, with Medicaid for Older People and People with Disabilities and Medicaid General Eligibility2026-01-012026-08-02✓ verified
medicaid-ltc-ri-2026STATE-MEDICAIDRhode Island Executive Office of Health and Human Services, Medicaid Long-Term Services and Supports: Financial Eligibility, 210-RICR-50-00-62026-01-012026-08-02✓ verified
medicaid-ltc-sc-2026STATE-MEDICAIDSouth Carolina Department of Health and Human Services — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
medicaid-ltc-sd-2026STATE-MEDICAIDSouth Dakota Department of Social Services, South Dakota Medicaid Coverage Groups, with the Department's medical assistance application form EA-2402026-01-012026-08-02✓ verified
medicaid-ltc-tn-2026STATE-MEDICAIDDivision of TennCare, Aged, Blind and Disabled Manual, Policy Manual Number 115.015 — Institutional Medicaid (updated January 5, 2026)2026-01-012026-08-02✓ verified
medicaid-ltc-tx-2026STATE-MEDICAIDTexas Health and Human Services, STAR+PLUS Handbook Appendix VIII, Monthly Income/Resource Limits — 2026 Income and Resource Reference Chart2026-01-012026-08-02✓ verified
medicaid-ltc-ut-2026STATE-MEDICAIDUtah Department of Health and Human Services, Division of Integrated Healthcare — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
medicaid-ltc-va-2026STATE-MEDICAIDVirginia Department of Medical Assistance Services, Medicaid Eligibility Manual Chapter M00 Appendix — Income Charts (effective 2026-07-01), with manual chapter M14 and transmittal M1480.231 Spousal Resource Standards (effective 1-1-26)2026-01-012026-08-02✓ verified
medicaid-ltc-vt-2026STATE-MEDICAIDDepartment of Vermont Health Access — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
medicaid-ltc-wa-2026STATE-MEDICAIDWashington State Health Care Authority, HCA 19-0096 (07/26) — Washington Apple Health Income and Resource Standards, July 1, 2026, with WAC 182-513-13632026-01-012026-08-02✓ verified
medicaid-ltc-wi-2026STATE-MEDICAIDWisconsin Department of Health Services, P-10063 (07/2026) Wisconsin Medicaid Spousal Impoverishment Protection, with P-10059 (01/2026) Home and Community-Based Services Waiver Programs and P-10058 (01/2026) Divestment2026-01-012026-08-02✓ verified
medicaid-ltc-wv-2026STATE-MEDICAIDWest Virginia Department of Human Services — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
medicaid-ltc-wy-2026STATE-MEDICAIDWyoming Department of Health, Division of Healthcare Financing — agency page identified 2026-08-02; the 2026 long-term-care eligibility figures could not be confirmed from this host2026-01-012026-08-02pending
ship-directorySTATE-SHIPSHIP National Technical Assistance Center2026-01-012026-08-02✓ verified
va-burial-2026VAU.S. Department of Veterans Affairs — Veterans burial allowance and transportation benefits, current rate tables2025-10-012026-08-03✓ verified
va-mapr-2026VAVA current pension rates for Veterans (effective December 1, 2025), with Survivors Pension rates from va.gov and the medical-expense deduction rule from 38 CFR 3.2782025-12-012026-08-02✓ verified

Note: larger data files, such as per-state benefit and withholding tables, may be packaged separately for performance; they carry the same envelope and appear in the JSON index. A pack past its expected update date shows "update pending" here and on every page that uses it — stale never fails silent.