• Darn IRS!

    Asked by Jalemans on Saturday, March 14, 2015

    Darn IRS!

    Spent several hours yesterday adding up all our out o pocket medical expenses. The IRS changed the deduction from costs above 7.5% to 10%. Munchkin's mother tried to convince me to let her claim him because she would then qualify for all these credits & get back thousands above what she actually paid in (told her no way!) Why do they feel the need to reduce deductions for people with huge medical expenses while offering credits to others well beyond what they paid in taxes?

    Grrr... I had to take $ from my IRA to pay my medical expenses & to live since I barely worked & I get to also pay a penalty for taking that $.

    14 Answers from the Community

    14 answers
    • IronMom45's Avatar
      IronMom45

      Sorry to hear this as I haven't been up to gathering all the required papers up. Going to try to do that this weekend and like you I don't think it's going to go well. My chemo brain isn't helping. Again wish had advice for you instead of just empathy. :)

      over 4 years ago
    • BoiseB's Avatar
      BoiseB

      Is your income low enough to qualify you for legal aid? I think that there is something quite illegal about your daughter-in-law trying to get a deduction for a dependent whom she doesn't support at least 50%. This is particularly true if you are caring for a handicapped child. If I remember correctly you mentioned that your grandson is Autistic you should be able to get some help from Autistic support groups

      over 4 years ago
    • barryboomer's Avatar
      barryboomer

      America is a Great Country but in ALL Aspects of everybody's health care we are a disaster and very unfriendly to PEOPLE. NOBODY who gets sick like us should have to pay anything at all. It is just NOT RIGHT.......Very bad Story being created here and in future generations when this is all fixed OUR Time will NOT be looked at as very good.

      over 4 years ago
    • meyati's Avatar
      meyati

      It is illegal to claim a dependent that isn't a dependent. fines, audits for all concerned. Write your Congressmen- get a petition-but don't lie to IRS. It's not worth it. You're asking a question that I've often asked---

      over 4 years ago
    • Jalemans' Avatar
      Jalemans

      Oh, she asked to claim him, but I said no way. We have physical + legal custody & we financially support him, so she knows she cannot claim him unless we don't. She is unhappy about it but it won't be an issue.

      I just think that it is sad that a healthy adult can qualify for all of these credits and get a "refund" that far exceeds the taxes they actually paid while people who have excessive medical expenses can only get a deduction for the portion that is more than 10% of their income. I think all medical expenses should be a deduction & they should get rid of all the additional child tax credits except the standard deduction. I don't think anyone should get a "refund" that exceeds more than they paid in.

      over 4 years ago
    • meyati's Avatar
      meyati

      That's my point exactly- pay 0- get zero.

      over 4 years ago
    • BoiseB's Avatar
      BoiseB

      Does your daughter-in-law contribute anything to his support?

      over 4 years ago
    • keahemalie's Avatar
      keahemalie

      I didn't realize the whole "deduction greater than 10%" thing. My husband and I have never had itemized deductions greater than the standard deduction for a married couple. No kids, not homeowners, etc. I agree that out-of-pocket medical expenses should be deductible, ESPECIALLY for low income folks. I may get in trouble here, but... people CHOOSE to have children, buy a house, give money to charities, etc. We don't CHOOSE to get cancer and have to pay exorbitant medical bills. Jalemans, I'm sorry you're financially struggling cuz you've made a good point.

      over 4 years ago
    • cllinda's Avatar
      cllinda

      I know what you mean. In 2012 and 2013, we had a huge amount of medical bills. My son had been in a serious accident and the doctor bill alone was over $100,000. Not counting all the money for hospital stays, physical therapy, and other things, and then I get diagnosed with Breast cancer a couple months later. We had huge bills and basically no help. Even with insurance, we had to pay $12,000 or so in bills. And we just missed the amount because the IRS raised the percentage from 7 to 10. So we finally just paid off the bills. Thank goodness the hospitals take payment plans. It's just not fair how things work.

      over 4 years ago
    • meyati's Avatar
      meyati

      clinda- you are lucky. Many hospital billing systems don't give enough time for insurance claims to be settled, and the bill is automatically sent to collections. The Doctors and AMA are complaining about their patients losing their homes, not keeping med insurance because of this causing poor credit rating. Even police officers and military families are hit by this. The chaplains and social workers in my hospital system realized this, and they led a polite revolt, where the software was changed, and patients are encouraged to make small payments.Then if there is any money, the hospital is very good about refunding. They will also pay the scan bills as a gift to the patient. It seems that many doctors go beyond what any doctor should, but there are many skunks too.

      over 4 years ago
    • Jalemans' Avatar
      Jalemans

      BoiseB, it is actually our daughter & no she contributes zero. She had some sort of mental meltdown about a year & 1/2 ago & we had to hire an attorney & go to court to officially get custody. His father makes no contribution either & hasn't seen Munchkin for 4 1/2 years. It is sad for Munchkin.

      over 4 years ago
    • genfreak's Avatar
      genfreak

      Before I was old enough for Medicare I was on Doxil which was lik $14000 a treatment. Needless to say I ran up quite a bill. I found out that most hospitals will settle for 50% if you pay in full. So I waited until I was off it and had the largest bill I thought I would ever have and called and asked the billing department about it. She said yes they would take 50% if we paid it off all at once. So that is what we did. THis is a one time thing though so use it wisely.

      over 4 years ago
    • cam32505's Avatar
      cam32505

      The year I was in treatment, my out of pocket costs were over $10,000 (maxed out). I had to pay out of pocket with short-term disability payments and pay cobra as well. Now, I have a high deductible health plan (so the out of pocket is still high), but I have a health savings account. I contribute the max amount to it that I can (about $6,000/year before taxes). I find this is the best way because it is hard to meet the maximum for deductions. With HSA, the money stays in an account til you need it, don't have to use by the end of the year like flexible accounts. I know how you feel about the earned income credit people receive because they are low income and have children. They actually get all their taxes back and then some. It just doesn't encourage anyone to do something to better themselves so they don't have to live off the government all their lives. Most qualify for Medicaid (which pays 100%) and food stamps, in addition to the tax refunds. My taxes pay for all of this and I have to pay for my own healthcare. The young generation needs to step up and work so that the older, sicker people can retire and live off their tax dollars. Sorry for the rant, but that's the way the system works.

      over 4 years ago
    • meyati's Avatar
      meyati

      The young generation can be very bitter, and calls us sponges, anchors thar drag the economy down. They don't look at the dopers, slackers, welfare queens, etc in their own generation. This was really bad a few years ago.

      When I check in somewhere, they see that I'm in my 70s, and I get a lecture that I should still work. They say a person should work to their 80s. I tell them that I was a machinist at their age and earned a lot more money. That I raised my children, and I raised my grandchildren. I say, "I was stabbed on my last job., how many times have you been stabbed?" Then I complain to their supe or the doctor..

      I had a bad reaction to a med. It's one of those that causes severe back spasms, heavy legs, black urine. I went into Urgent Care-and explained that I was having killer pain. I was asked if I had hurt my back. NO-- I was left in that room for 5 hours, because they were trying to make the dope addict leave. Finally the doctor came in, all snarly. I told him about the med, urine, and I'd been having the back spasms for about 3 weeks, and they were getting worse. I told him that my PCP was ignoring the black urine, and part of this was to get the health system to recognize that I had been poisoned by the med. He asked me if I had a bad back. I told him -NO-never did. I'd hurt my back, sprains loading bales of hay in a truck, but I didn't have any injuries.

      He told me that I had to be the only person in Albuquerque that didn't have a bad back, and wasn't trying to get a huge refillable script for hard core drugs. He says that 13 year-olds are claiming bad backs, and trying to get SSD benefits. I ask these clerks- do you have a bad back--Oh, yes. I call them dopers that need to start walking and lifting weights.

      At the last cancer support, someone said that she finally quit having back spasms and she didn't have to wear fentanyl patches anymore--one of the meds caused that. 2 facilitators got that look on their face. They made a remark that back spasms really weren't bad-just in the head. I told them that my son was driving the cutter's van from Pearl Harbor to Coast Guard housing, with 7 crewmates in it- 4 lanes of heavy traffic going one way. He was in the fast lane, when a spasm hit him. They directly went through 3 lanes and ended up on the shoulder. It was a miracle that nobody was killed, no fender benders. That freeway in Honolulu is equal to a LA freeway. The guy riding shotgun, was trying to step on the brake and get the wheel. The guy behind my son was trying to pull him back off of the wheel and gas. My son wasn't the duty driver anymore-matter of fact, he didn't drive until after his surgery and PT. These facilitators just stared and then said-- OMG- I didn't know they could be like that. The woman next to me had a tear or two-really- and said-- Yes, it's like that sometimes.

      over 4 years ago

    Help the community by answering this question:

    Create an account to post your answer Already have an account? Sign in!

    By using WhatNext, you agree to our User Agreement, and Privacy Policy


    Read and answer more uterine leiomyosarcoma questions.  Also, don't forget to check out our Uterine Leiomyosarcoma page.