Education

Thank you!! I changed my username and now it seems like you didn’t get this???   I’m sorry I re sent  you the same question I forgot I had asked it. 
You give answers More relevant to my situation- So what you sent me was better than when I found searching
1) since my only income is Social Security disability I don’t pay taxes so I would only get a refundable portion of 1000 on my taxes correct? but if my son claim is independent then I don’t get this credit? 

2) And then my son would have to increase his income by $4000?? So if He is independent he can claim the credit if he increases his income by $4000 but what good does that do? And you mentioned he would not get the refundable part back but I don’t understand why just because independent … also his taxes are looking like he’s getting a refund but that’s because I have been doing estimated taxes for him the last two years because he had a self employed internship one year and large scholarship and I found out he needed to do estimated taxes so it looks like he’s getting a refund even though it’s because I paid what he owed in April and then did estimated taxes so how would a credit work for him? It sounds like in my circumstances that it really wouldn’t be worth it unless I claimed him as a dependent because I don’t see how it helps him if he hast to increase his income. I have to go back and look at your answer again because you said something about increasing the income by $4000 but isn’t the credit only $2500? 
It sounds like to me for our situation it wouldn’t work? 
3)this is important -  If my son is independent on his taxes and if his income is too high to qualify for New Jersey family care… And he’s losing his benefits in two months would he be able to get on my prior employer’s benefits as my dependent If his taxes say he’s independent ?? I no longer qualify for my lifetime benefits because I went on disability and when I qualified for Medicare they unexpectedly dropped me even though they were supposed to be lifetime benefits but my kids still qualify - but it would be $11,000 with a $4000 deductible on top of me separately having to pay for my own plan with the premium of 7000. It’s not affordable. If we all could be on my former employer plan it would work out but that’s not the case. 

This is a super important question because his father sent me an email yesterday that he and my son are getting dropped  from health insurance Nj fam care definitely as early as January. Because the father hasn’t worked in decades supported financially by his father he has no employer to keep the kids on till they’re 26. He qualified for  12 years of free Nj fam care - Since he 

doesn’t work and has no income and they don’t look at assets. Something must’ve changed that he’s getting dropped now.  I surmise that he’s going to get on his fiancé‘s plan and said my son was on his own to figure out what to do. 

I covered the twins for 19 years.thru my employer until I was dropped due to Medicare. Then they got on his father New Jersey Medicare plan for 3 years but are getting dropped I believe they were on because of Covid they were not dropping people. We thought the IRA would drop my sons  income enough that he woul qualify if he was independent to try to apply on his own.. but it depends on how they calculate modified adjusted gross income and it seems like it gets added back in . However my kids are still eligible for My employer medical but as a family plan it’s insanely expensive as I said - if I could be on it with them that would be a different story. 

So the question is- if my son is independent and he doesn’t qualify for New Jersey family care because they use the modified adjusted income which may or may not deduct the IRA and from everything else I’ve been reading in order to get modified adjusted gross income you have to add back an IRA deduction  so he would be making too much - if I had to absolutely put him on my insurance the big question is if he files independent on taxes can I get him on my employer insurance as my dependent even if I don’t claim him on my taxes as a dependent? 

I thought he would be able to qualify for New Jersey family care but it’s not looking good unless you think that the IRA can be deducted but I can’t even get an answer from New Jersey family care about that. 

thanks so very much