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¿Soy elegible para un plan de médico del Mercado de Salud?

November 16, 2020 | Posted in Financial Stability, Health |

La mejor manera de determinar su elegibilidad para un plan médico del Mercado de Salud es inscribirse en una cita de admisión con uno de nuestros especialistas en seguros médicos. En general, para ser elegible, debe ser ciudadano de los EE. UU. O estar presente legalmente en los EE. UU., Y no debe estar encarcelado actualmente. Visite ProsperHealthCoverage.org o llame a la línea de ayuda de Cobertura Médica al (512)381-4520 para programar una cita.

La mayoría de las personas que son elegibles para comprar cobertura en el Mercado de Salud reciben ayuda financiera para pagar la cobertura. Más del 90% de las personas que Foundation Communities ayudó en 2019 recibió alguna ayuda financiera. Es posible que no sea elegible para recibir ayuda financiera si tiene otras opciones de seguro médico, como una oferta de seguro médico de su empleador.

 

¿Cuándo puedo registrarme?

La inscripción abierta del Mercado se extiende desde el 1 de noviembre hasta el 15 de diciembre. Esta es la única época del año en la que puede inscribirse en un plan de seguro médico del Mercado, a menos que tenga un evento que califique, como mudarse, casarse o tener un bebé.

¿Cuánto cuesta?

La situación de todos es diferente. Hay una variedad de planes y precios disponibles, según sus ingresos y el tamaño de su familia y el tipo de cobertura que elija. Más del 90% de las personas a las que ayudamos en Foundation Communities obtienen ayuda financiera para pagar la cobertura, lo que reduce el “precio de etiqueta” de las primas mensuales. No permita que las preocupaciones sobre el costo sean una barrera para explorar sus opciones. Nuestros especialistas en seguros médicos lo guiarán a través de los planes y precios. Es posible que se sorprenda de las opciones disponibles.

¿Puedo obtener ayuda financiera para pagar mi plan?

Más del 90% de las personas a las que ayudamos en Foundation Communities obtienen ayuda financiera para pagar su cobertura médica. Los subsidios, o créditos fiscales, pueden reducir el costo mensual que paga por su plan (la prima). También puede ser elegible para recibir ayuda para cubrir los copagos de las visitas al consultorio y otros gastos de atención médica. Nuestros especialistas en seguros médicos lo ayudarán a obtener la máxima ayuda financiera disponible.

¿Cubrirá mi plan alguna condición preexistente?

Todos los planes de seguro médico del Mercado cubren afecciones preexistentes, así como una variedad de otros beneficios médicos. Consulte la lista completa de beneficios de salud esenciales en Healthcare.gov.

¿Un plan de salud del Mercado cubrirá las pruebas y/o el tratamiento del coronavirus?

Los planes de salud del mercado deben cubrir las pruebas y los servicios de laboratorio, aunque la cobertura para pruebas específicas puede variar de un plan a otro. Las pruebas y el tratamiento de COVID-19 están cubiertos por los planes de salud del Mercado, al igual que cualquier otra infección viral.

Si actualmente tiene un plan de seguro médico del Mercado y su hogar se ha visto afectado por COVID-19, comuníquese con nosotros porque es posible que pueda cambiar su plan u obtener ayuda financiera adicional. Llámanos al 512-381-4520. Algunos cambios a considerar:

  • Desempleo
  • Horas reducidas / ingresos reducidos
  • Estudiante universitario que ahora vive en casa porque el campus cerró 

¿Puedo obtener ayuda para encontrar el mejor plan para mí o mi familia?

¡Si! Los especialistas en seguros de salud de Foundation Communities han investigado todos los planes y precios para ayudarlo a encontrar el mejor plan para satisfacer sus necesidades de atención médica y su presupuesto. Puede comenzar registrándose para una cita de admisión inicial en ProsperHealthCoverage.org o llamándonos al 512-381-4520.

¿Puedo cambiar mi plan médico después de haberme registrado?

Puede cambiar su plan médico en cualquier momento entre el 1 de noviembre y el 15 de diciembre. Después de la fecha límite del 15 de diciembre, solo puede hacer cambios si tiene un evento que califique, como mudarse, casarse o tener un bebé. Nuestros especialistas en cobertura médica pueden ayudarlo a realizar cambios en su plan durante todo el año si sus circunstancias han cambiado.

Actualmente estoy desempleado. ¿Qué sucede si consigo un nuevo trabajo después de inscribirme en un plan médico?

La situación de todos es diferente. Si obtiene un nuevo trabajo, comuníquese con nosotros para que podamos ayudarlo a determinar su mejor opción. Llame a nuestra línea de ayuda de seguro médico al 512-381-4520.

Actualmente estoy desempleado y en COBRA. ¿Puedo inscribirme en un plan diferente a través del Mercado de Salud?

¡Si! La inscripción abierta es la única época del año en la que puede cambiar de COBRA a otro plan, a menos que tenga un evento que califique, como mudarse, casarse o tener un bebé. Recomendamos encarecidamente a todos los usuarios de COBRA que exploren sus opciones. Los planes de salud del mercado pueden ser más económicos y es posible que usted califique para recibir ayuda financiera para pagar la cobertura. Puede comenzar registrándose para una cita de admisión inicial en ProsperHealthCoverage.org o llamándonos al 512-381-4520.

Perdí mi trabajo a causa del COVID-19. ¿Cuentan mis pagos por desempleo para determinar cualquier ayuda financiera que pueda recibir para pagar mi plan?

Si. Deberá informar su compensación por desempleo esperada cuando solicite cobertura médica a través del Mercado de Salud. Cuando solicite un plan médico del Mercado de Salud, un especialista en cobertura médica lo ayudará a calcular sus ingresos para 2021 para determinar para qué ayuda financiera califica.

¿Qué pasa si no sé cuáles serán mis ingresos el próximo año? ¿Todavía puedo inscribirme en un plan de salud?

¡Si! Haga una cita de admision con uno de nuestros especialistas en seguros médicos. Le ayudarán a estimar sus ingresos para 2021 y encontrar la mejor opción de plan para satisfacer sus necesidades de atención médica y su presupuesto. Regístrese en ProsperHealthCoverage.org o llame al 512-381-4520.

¿Cuál es la diferencia entre un plan de salud Bronce, Plata u Oro?

Los diferentes niveles determinan cómo usted y su seguro médico dividen los costos de su atención médica. La calidad y el tipo de atención no se ven afectados. Por ejemplo, un plan de nivel Oro puede tener un costo mensual más alto (la prima), pero pagará un porcentaje menor de los costos cuando necesite atención. Un plan de nivel Bronce puede tener primas mensuales menos costosas, pero pagará más cuando necesite atención. Nuestros especialistas en cobertura médica pueden ayudarlo a determinar qué tipo de plan es mejor para sus necesidades de atención médica y su presupuesto.

¿Cómo puedo saber si mi médico está en el plan que elegí o si mis medicamentos están cubiertos?

Cada año, investigamos todos los planes y precios para poder ayudarlo a encontrar el mejor plan para satisfacer sus necesidades de atención médica y su presupuesto. Haga una lista de sus médicos y medicamentos antes de su cita con un especialista en seguros médicos. Revisarán los planes para asegurarse de que tengan la cobertura que necesita. Regístrese para una cita de admisión para comenzar en ProsperHealthCoverage.org o llame al 512-381-4520.

¿Me pueden cobrar más por cualquier motivo, como mi edad o porque soy mujer?

Los planes de salud del mercado no pueden cobrarle más por ser mujer, por estar embarazada o por tener condiciones preexistentes. Se le puede cobrar hasta un 50% más si usa tabaco. Las primas pueden aumentar a medida que envejece.

¿Cómo solicito ayuda financiera para pagar mi plan de salud?

Cuando se inscribe en un plan médico del Mercado de Salud, proporcionará información sobre el tamaño y los ingresos de su hogar. Esto ayudará a determinar cuánta ayuda financiera recibirá. Nuestros especialistas en seguros de salud lo guiarán a través del proceso de inscripción para asegurarse de que califique para la máxima ayuda financiera para pagar la cobertura.

¿Mi crédito fiscal de $1200 de principios de este año cuenta como ingreso para determinar cualquier ayuda financiera que pueda obtener para pagar mi plan?

No. No es necesario que incluya el pago de estímulo/crédito fiscal en los ingresos que declara en su solicitud de Marketplace. Estos pagos no afectan su elegibilidad para recibir ayuda financiera para pagar la cobertura de atención médica a través del Mercado. 

¿Cómo afectará mi estado migratorio mi capacidad para inscribirme en un plan médico del Mercado de Salud u obtener ayuda financiera para pagarlo?

Los inmigrantes que se encuentran legalmente presentes en los EE. UU. Pueden comprar un seguro médico en el Mercado de Salud. Nuestros especialistas en cobertura médica tienen experiencia en ayudar a inmigrantes a inscribirse en un seguro médico y enviar información para verificar su estado, si es necesario. Solo las personas que solicitan cobertura médica deben proporcionar información sobre su estado migratorio. Los miembros indocumentados del hogar que no son elegibles para los planes del Mercado de Salud no necesitan proporcionar ninguna información.

¿La ayuda financiera para pagar los planes médicos del Mercado de Salud cuenta como carga pública?

Recibir ayuda financiera para el seguro médico del Mercado de Salud no cuenta para la determinación de una carga pública para nadie. No tenga miedo de asegurarse usted y los miembros de su familia elegibles. Si usted es un residente permanente legal o un titular de una tarjeta verde, no se le aplica nada sobre la carga pública. Si tiene un estatus humanitario (por ejemplo, si es un asilado o refugiado), no se le aplica nada sobre carga pública.

 

El seguro del mercado y la asistencia financiera no afectan su capacidad para convertirse en residente o ciudadano. ¡Pero pueden ayudarlo a usted y a su familia a mantenerse saludables! Si tiene alguna pregunta o inquietud sobre la carga pública relacionada con los planes médicos del Mercado de Salud, llámenos al 512-381-4520. ¡Estamos aquí para ayudar!

Am I eligible for a Marketplace health plan?

October 30, 2020 | Posted in Financial Stability, Health |

The best way to determine your eligibility for a Marketplace health plan is to sign up for an intake appointment with one of our health insurance specialists. In general, to be eligible you must be a citizen of the U.S. or be lawfully present in the U.S., and you must not currently be incarcerated. Visit ProsperHealthCoverage.org or call the health coverage helpline at (512) 381-4520 to schedule an appointment.

Most people who are eligible to purchase coverage in the Marketplace receive some financial help to pay for coverage. More than 90% of people Foundation Communities helped in 2019 received some financial help. You may not be eligible for financial help if you have other health insurance options, such as an offer of health insurance from your employer.

When can I sign up?

Marketplace open enrollment runs from November 1 through December 15. This is the only time of the year when you can sign up for a Marketplace health insurance plan, unless you have a qualifying event, such as moving, getting married, or having a baby.

How much does it cost?

Everyone’s situation is different. There are a range of plans and prices available, depending on your income and family size and the type of coverage you choose. More than 90% of people we help at Foundation Communities get some financial help to pay for coverage, which reduces the “sticker price” of monthly premiums. Don’t let concerns about cost be a barrier to exploring your options. Our health insurance specialists will walk you through the plans and prices. You may be surprised at the choices available to you.

Can I get financial help to pay for my plan?

More than 90% of people we help at Foundation Communities get financial help to pay for their health coverage. The subsidies, or tax credits, can reduce the monthly cost you pay for your plan (the premium). You may also be eligible for help covering office visit co-pays and other healthcare expenses. Our health insurance specialists will help you get the maximum financial help available.

Will my plan cover any pre-existing conditions?

All Marketplace health insurance plans cover pre-existing conditions, as well as a range of other health benefits. See the full list of essential health benefits on Healthcare.gov.

Will a Marketplace health plan cover coronavirus testing and/or treatment?

Marketplace health plans are required to cover laboratory tests and services, though the coverage for specific tests may vary plan by plan. COVID-19 testing and treatment is covered by Marketplace health plans, just the same as any other viral infection.

 

If you currently have a Marketplace health insurance plan and your household has been affected by COVID-19, please get in touch with us because you may be able to change your plan or get additional financial help. Call us at 512-381-4520. Some changes to consider:

  • Unemployment
  • Reduced hours/reduced income
  • College student now living at home because campus closed

 

Can I get help finding the best plan for me/my family?

Yes! Foundation Communities’ health insurance specialists have researched all the plans and prices to help you find the best plan to meet your healthcare needs and budget. You can get started by signing up for an initial intake appointment at ProsperHealthCoverage.org, or by calling us at 512-381-4520.

Can I change my health plan after I’ve signed up?

You can change your health plan any time between November 1 and December 15. After the December 15 deadline you can only make changes if you have a qualifying event, such as moving, getting married, or having a baby. Our health insurance specialists can help you make changes to your plan year-round if your circumstances have changed.

I’m currently unemployed. What happens if I get a new job after I’ve signed up for a health plan?

Everyone’s situation is different. If you get a new job please reach out to us so we can help you determine your best option. Call our health insurance helpline at 512-381-4520.

I’m currently unemployed and on COBRA. Can I sign up for a different plan through the Marketplace?

Yes! Open enrollment is the only time of year you can switch from COBRA to another plan unless you have a qualifying event, such as moving, getting married, or having a baby. We strongly encourage anyone on COBRA to explore their options. Marketplace health plans may be more affordable, and you may qualify for financial help to pay for coverage. You can get started by signing up for an initial intake appointment at ProsperHealthCoverage.org, or by calling us at 512-381-4520.

I lost my job because of COVID-19. Do my unemployment payments count in determining any financial help I might get to pay for my plan?

Yes. You’ll need to report your expected unemployment compensation when applying for health coverage through the Marketplace. When you apply for a Marketplace health plan, a health insurance specialist will help you estimate your income for 2021 to determine what financial help you qualify for.

 

What if I don’t know what my income will be next year? Can I still sign up for a health plan?

Yes! Make an appointment to get started with one of our health insurance specialists. They will help you estimate your income for 2021 and find the best plan option to meet your healthcare needs and budget. Sign up at ProsperHealthCoverage.org or call 512-381-4520.

What’s the difference between a Bronze, Silver, or Gold health plan?

The different levels determine how you and your health insurance split costs for your health care. The quality and type of care is not affected. For example, a Gold level plan may have a higher monthly cost (the premium), but you will pay a smaller percentage of the costs when you need care. A Bronze level plan may have less costly monthly premiums, but you’ll pay more when you need care. Our health insurance specialists can help you determine which type of plan is best for your healthcare needs and budget.

How can I find out if my doctor is in my chosen plan, or if my medications are covered?

Each year we research all the plans and prices so we can help you find the best plan to meet your healthcare needs and budget. Make a list of your doctors and medications before your appointment with a health insurance specialist. They will review the plans to make sure they have the coverage you need. Sign up for an intake appointment to get started at ProsperHealthCoverage.org or call 512-381-4520.

Can I be charged extra for any reason, like my age or because I’m a woman?

Marketplace health plans cannot charge you more because you’re a woman, or because you are pregnant or have pre-existing conditions. You can be charged up to 50% more if you use tobacco. Premiums can increase as you get older.

How do I apply for financial help to pay for my health plan?

When you sign up for a Marketplace health plan you’ll provide information about your household size and income. This will help determine how much financial help you will get. Our health insurance specialists will walk you through the sign-up process to make sure you qualify for the maximum financial help to pay for coverage.

Does my $1200 tax credit from earlier this year count as income for determining any financial help I might get to pay for my plan?

No. You don’t need to include the tax credit/stimulus payment in the income you report on your Marketplace application. These payments don’t impact your eligibility for financial help to pay for health care coverage through the Marketplace.

 

How will my immigration status affect my ability to sign up for a Marketplace health plan, or get financial help to pay for it?

Immigrants who are lawfully present in the U.S. can purchase health insurance on the Marketplace. Our health insurance specialists are experienced with helping immigrants sign up for health insurance and submit information to verify their status, if necessary. Only the person(s) applying for health coverage need to provide information about their immigration status. Undocumented household members who are not eligible for Marketplace plans do not need to provide any information.

Does financial help to pay for Marketplace health plans count against the public charge?

Receiving financial help for Marketplace health insurance does not count toward the determination of a public charge for anyone. Do not be afraid to insure yourself and your eligible family members. If you are a lawful permanent resident or green card holder, nothing about public charge applies to you. If you have a humanitarian status (for example, if you are an asylee or refugee), nothing about public charge applies to you.

 

Marketplace insurance and financial assistance do not affect your ability to become a resident or a citizen. But they can help you and your family stay healthy! If you have any questions or concerns about public charge related to Marketplace insurance plans, call us at 512-381-4520. We are here to help!

Plan Ahead for a Less Stressed Holiday Season

October 28, 2020 | Posted in Financial Stability | Keywords: , , , , , ,

Needless to say that the 2020 holiday season will be like no other. This year, it’s more important than ever to plan ahead for the expenses that come with the holidays. But cutting down on expenses doesn’t have to mean that your holidays can’t be joyous. Here are some tips for minimizing cost while maximizing enjoyment.

Make a holiday budget. I know, not your idea of joy. But making a holiday budget can keep you from getting overwhelmed with expenses that just seem to pile up over the holiday season. Your holiday budget should include how much money you have or can set aside for added holiday costs, and a list of gift recipients and other expenses. A holiday budget is attached for you to try out.

Look for deals now. Many retailers are spreading their holiday sales over November and December, rather than having one-day deals on black Friday. With your holiday budget in hand, you can save on gifts throughout the coming weeks.

Plan for making (socially distanced) memories instead of buying gifts. This seems even harder to do during a global pandemic, so we have to get extra creative! Some ideas for meaningful, socially distanced activities are:

· Hold a decorating contest over video call. All participants show off their decorated home, room, doorway, or gingerbread house!

· Organize a cookie swap with your neighbors. Neighbors can leave cookies at each other’s front doors.

· Organize a food drive or fundraiser with friends and family. Donate the proceeds to a local charity.

· Send heartfelt hand-written cards to friends and family – make the cards yourself if you’re feeling crafty.

For help creating your very own budget-friendly holiday plan, schedule a phone or Zoom appointment with a Financial Coach. Call 737-717-4000 or visit our web site to schedule your appointment.

Still Need to File Your Taxes? Tax Day is Coming July 15

July 1, 2020 | Posted in Tax Services, Financial Stability | Keywords: , , , , ,

Due to COVID-19 the deadline for filing taxes was extended to July 15. If you still need to file your taxes, Foundation Communities’ free online tax prep services are available for anyone who needs it. With the income tax filing deadline right around the corner, Austinites who need to file their tax return still have time to get help from our IRS-certified tax preparers. We offer absolutely free tax preparation with no fees or deductions from refunds.

Are you expecting a refund? If so, get in touch with us to file your tax return as soon as possible. Your refund can be deposited directly into your bank account. Our IRS-certified tax preparers are experienced at finding every tax credit you qualify for to get the maximum refund available. We file almost all returns electronically so you can get your refund quickly.

Foundation Communities has helped more than 250,000 Central Texans file their taxes since 2006. In March we closed our in-person tax assistance centers due to COVID-19, but re-launched our services online in April. Our IRS-certified tax preparers now work from home and support tax clients online and through phone appointments. Read our interview with tax preparer Johnny LeBlanc to hear what socially distanced tax preparation looks like (hint: it’s basically the same, just at a safe distance).

Our free tax prep website is open 24/7, offering plenty of flexibility for those who need help with their taxes. To get started, visit https://bit.ly/GetYourRefundAustin at a convenient time and use our online questionnaire to enter your tax and household information. After you’ve uploaded your tax documents and finished the questionnaire, a tax preparer will review your information and schedule a phone appointment to go over it with you. We also have online tax prep available in Spanish here: https://www.getyourrefund.org/?new_locale=es&s=FC.

We’re offering online tax prep services through the July 15 deadline, but we encourage you to get started right away to make sure we have time to review and file your return by the deadline. Online tax preparers are available Monday – Saturday. Questions? Email us at taxes@foundcom.org or call 512-610-7374 and leave a message so that staff can return your call.

Need to claim your Economic Impact Payment? Time is running out.

September 4, 2020 | Posted in Tax Services, Financial Stability |

Written by Erika Leos, Financial Wellness Program Manager

While a second stimulus payment is still being negotiated in Washington, there is still time to claim the first payment, but not much! For those who have not received your stimulus payment, here are the dates you need to keep in mind:

Some federal benefit recipients need to act by September 30. The IRS reopened the registration period only for individuals who are federal benefit recipients who didn’t receive $500 per qualifying child payments earlier this year. Use the IRS.gov Non-Filers tool through September 30 to provide information about a qualifying child to receive a $500 per child payment.

Most people have until October 15.

  • If you need to file a 2019 tax return, the tax filing deadline is October 15. The IRS will use the information on your tax return to send you your stimulus payment.
  • If you don’t have to file and do not plan to file a 2019 tax return, use the Non-Filers: Enter Payment Info Here application to provide simple information by October 15 so you can get your payment.

If you already filed your return and need to check the status of your stimulus payment or update your bank account information, you can do that with the Get My Payment tool.

The National Disability Institute’s Financial Resilience Center created two videos in American Sign Language (ASL) to help you determine if you are eligible for the stimulus payment. You can find them on the Deaf & Hard-of-hearing Resources page.

Foundation Communities’ Prosper Centers are here to help you find your next step for claiming your stimulus payment. Call us at 737-717-4000 for tax resources, or to schedule a virtual appointment with a Financial Coach.

 

Sources:

https://files.consumerfinance.gov/f/documents/cfpb_helping-consumers-claim-eip_guide.pdf

https://www.nationaldisabilityinstitute.org/financial-resilience-center/deaf-resources/

Staying Financially Protected During Coronavirus

August 20, 2020 | Posted in Financial Stability |

Written by Jasmine Walia

If you find yourself unable to make payments on bills, loans, or debts, you are not alone. Many of us are experiencing financial uncertainty due to coronavirus. Feeling anxious or overwhelmed is normal, as does not knowing what steps to take to keep yourself and your family financially protected. However, there are simple steps you can take to protect yourself and those around you, not just from coronavirus, but also from financial instability.

When you are ready to take action, where should you start? The Consumer Financial Protection Bureau (CFBP) is a U.S. government agency that makes sure banks, lenders, and other financial companies treat consumers fairly. The CFBP provides information you can use to financially protect yourself from coronavirus.

Contact financial institutions and discuss payment options, even if you cannot pay right away. Notifying lenders, creditors, or other loan servicers (this includes credit card companies, auto loan lenders, mortgage servicers, and debt collectors) that you are unable to pay or need a payment arrangement may allow for flexible options. Check a company’s website first to see if they have information about working with customer needs and then reach out to them, being prepared to explain your current financial situation, what you can afford to pay, when you can restart regular payments.

Regularly check your credit report to make sure there are no errors or delinquencies. This is especially important if you are working with lenders or other servicers on payment arrangements or forgiveness. Your credit has a lasting impact on your financial stability, so it is very important to make sure everything listed on your credit report is correct. You can request and view your free credit report by visiting annualcreditreport.com.

Be aware of financial scam attempts or fraudulent activities, as scammers often take advantage of people in a crisis. If you receive any suspicious information via email, text, or social media, do not provide any personal or sensitive information. To report a scam, you can provide a complain to the Federal Trade Commission, or contact your local police or sheriff office.

Though these steps may seem daunting, you are not alone in taking action. Foundation Communities has virtual financial coaching available to provide you with assistance as you go through the process of financially protecting yourself. They can also share resources around budgeting, saving, and planning for future emergencies. Foundation Communities is here to support you, as we all attempt to get through this pandemic, both physically and financially protected. Visit https://foundcom.org/financial-wellness/ to get started.

Sources:

Consumer Financial Protection Bureau. 2020. Protect yourself financially from the impact of the coronavirus. https://www.consumerfinance.gov/about-us/blog/protect-yourself-financially-from-impact-of-coronavirus/

Q&A with IRS-certified Online Tax Prep Volunteer Johnny LeBlanc

May 26, 2020 | Posted in Tax Services, Financial Stability | Keywords: , , , ,

Every year Foundation Communities helps more than 20,000 Central Texans prepare and file their taxes and maximize their refund. This year we had to close in-person tax preparation due to COVID-19, but in early April we launched 100% online tax preparation through July 15. Instead of meeting with clients in person, our tax preparers are using a fully online system and meeting with clients by phone to review the tax information they submit online at Foundation Communities’ tax filing portal.

Like many, our IRS-certified tax preparers have transitioned to working from home from their usual workplace at one of the Prosper Center locations or another tax site in Austin. We chatted with Johnny LeBlanc, one of our IRS-certified tax preparers, to hear what motivates him to help Central Texans prepare and file their taxes, and how the shift from in-person to online tax prep is going.

If you still need to file your taxes and/or claim your stimulus payment, our IRS-certified team can help. Are you expecting a refund? Don’t wait! Visit Foundation Communities’ tax filing portal, or call 512-610-7374 for assistance.

How long have you been volunteering with Foundation Communities as an IRS-certified Tax Help volunteer and how did you get involved? 

I started volunteering in 2008. I don’t remember how I first heard about the Foundation Communities tax program (probably a PSA on KUT), but I attended a training session and decided to give it a try.

How did your experience volunteering build upon your previous expertise? What have you learned along the way? 

I’m a retired electrical engineer. Numbers and complexity are not intimidating to me, and I have been doing my own federal taxes for many years, so doing tax returns has been easy. Interacting with so many different people while helping them with their taxes has definitely been a different experience than that of an engineer working for a large company.

The Tax Help program typically is an in-person service, but due to COVID-19 precautions needed to switch to virtual service. What’s it like volunteering virtually? 

It’s very positive that we are still able to help folks with their taxes. Using the tax software is exactly the same as it was at the tax sites and the online platform makes it super easy to communicate with the Foundation Communities staff. The only downside is not being able to interact directly with our clients. I miss that.

What does your virtual volunteer work-from-home space set-up look like?

I’m an old nerd so I have a powerful desktop computer and a very large monitor in my home office, which makes doing virtual tax returns super easy. I have a bird feeder right outside my window so I can see the parent birds frantically trying to keep their fledglings fed and my desk is usually covered with 2 or 3 sleeping cats (often snoring) while I’m doing taxes.

What do you miss most about volunteering in-person at the tax sites? 

Interacting with the Foundation Communities staff and getting to meet our tax clients in person.

When you’re not volunteering, what do you enjoy doing? 

My main hobby is photography, I dabble at digital painting, and I also love visiting and hiking in our national parks (local parks too). I also volunteer at the Austin Animal Center where I try to help get cats adopted.

What’s the last book, movie, or TV show that made you laugh out loud? 

Big Bang Theory

Favorite treat? 

Milk chocolate

For anyone considering getting their taxes prepared virtually, but have never used a virtual service before, what would you want them to know to help them feel comfortable? 

If you are uncomfortable with using our virtual tax service, just think of it as using TurboTax but with real people to do the actual return for you and who will review and explain the return with you before it will be submitted.

Benefits of Using Free Online Tax Preparation

May 15, 2020 | Posted in Tax Services, Financial Stability | Keywords: , , , ,

For more than 15 years, Foundation Communities has welcomed community members to free tax preparation sites across the city. This year, we had to close our in-person tax prep services because of COVID-19, but we knew that thousands of people still needed help to file their taxes and claim their refunds. That’s why we’re now offering free online tax preparation from our IRS-certified tax preparers. It’s the same great service we’ve always provided, but offered online so everyone can stay safe and healthy.

 

Our free tax prep website is open 24/7 from the comfort of your home. You can start doing your taxes at any time that’s convenient for you. You’ll start by entering information about your household and finances, and you’ll upload your tax documents. Once you’re done with the online questionnaire, our IRS-certified tax preparers will review your information and give you a call. If you have questions you can call us at 512-610-7374 and leave a message with your concerns and our team will call you back.

 

Online tax prep makes it easy for us to file your return electronically and expedite your refund. We’ll file your return electronically in most cases. This is the fastest way to get your refund. The IRS is not processing paper returns due to COVID-19, and we don’t know when they will start or how long it will take for refunds to start going out. There are never any fees for our tax preparation services, and your full refund will be directly deposited to your bank account. If you need a bank account, we can help you open one.

 

You will get support from a real person who is preparing your tax return. Even though we’ve moved online, we’re offering the same support and service we offer every year. That means someone from our tax prep team will be available if you have questions about your taxes, need to update any information, or need to add a last-minute tax document.

 

We make sure you maximize your refund. Our IRS-certified tax preparers are experienced at finding every tax credit you qualify for. We carefully review your personal and household information and your tax documents to make sure you get the maximum refund available. We’ll review your tax return with you and then file electronically so you get your refund as soon as possible.

 

As we all go through this difficult period of change, we will do our best to make filing your taxes simple and convenient.

What You Need to File Your Taxes Online

May 6, 2020 | Posted in Tax Services |

Foundation Communities is offering free online tax preparation in partnership with GetYourRefund.org. When we say free we really mean free. There are no fees or deductions from your refund for our services. And online tax prep and filing is the quickest way to get your refund and stimulus check directly deposited to your bank account. 

Tax season can be a headache, but this year our IRS-certified tax preparers can help you prepare and file your taxes from home with minimal fuss. And don’t forget the tax filing deadline is now July 15 for everyone. Due to COVID-19 we have closed our in-person tax prep services and aren’t sure when we’ll be able to re-open, but we can provide you with the same great service online.

If you are expecting a refund or need help claiming your stimulus check, we urge you to file your taxes as soon as possible. We can help! Click here to get started.

If you’re expecting a refund or need to file your 2018 and/or 2019 taxes so you can claim your stimulus check, we can help you through the process. We can also help you file previous year’s taxes, if needed. 

Most IRS locations are closed due to COVID-19 and they have been unable to process paper returns. Taxpayers who file a paper return will experience long delays in getting their refund this year.

Here’s what you need to get started with online tax prep:

  • Access to a computer or phone with internet access, an email address, and a valid phone number to sign into the online tax prep website.
  • Proof of Social Security number or ITIN for everyone on the return.
  • A valid photo ID to verify your identity (also for your spouse if filing jointly).
  • All of your tax documents, such as W-2s, 1099s, 1095-A, etc. for yourself and your spouse. You will upload these documents or pictures of these documents online.

Once you have everything on the list, you can get started at bit.ly/GetYourRefundAustin. Click on the Get Started button to begin filling out your profile. If you have any problems submitting your documents, call our tax team at 512-610-7374, and they’ll call you back ASAP to help troubleshoot.

After you’ve completed your profile, a member of our tax team will give you a call to review everything with you before starting your return. Once we’ve completed your return, we’ll give you another call to review it before finalizing.

If you choose to file your return, our tax preparers will complete your return and file it with the IRS. Most people will be eligible for electronic filing, which will expedite your refund and stimulus check.

Foundation Communities will continue to offer online tax prep services through the July 15 deadline. Online tax preparers are available Monday – Saturday. Community members with questions about online tax prep or stimulus payments are encouraged to email us at taxes@foundcom.org or call 512-610-7374 and leave a message so that staff can return your call Monday – Saturday between 9 a.m. and 5 p.m.

FAQ: What to Know About Online Tax Prep and Stimulus Checks

April 29, 2020 | Posted in Tax Services, Financial Stability, In the News | Keywords: , ,

Is free tax preparation available during COVID-19 closures?

Yes! Foundation Communities has partnered with GetYourRefund.org to offer free online tax preparation for the local community. You provide your household information and tax documents, and our IRS-certified tax preparers will complete and file your tax return. Visit bit.ly/GetYourRefundAustin to get started. We are not offering in-person tax preparation due to the coronavirus and social distancing restrictions.

When can I get help with my taxes?

Free tax prep will be available through the extended IRS filing deadline of July 15th. Our IRS-certified tax preparers are available Monday – Saturday, but you can submit your documents any time. Once you’ve submitted your tax documents online, your tax preparer will schedule a phone call with you to review everything.

Is online tax prep available in other languages?

Currently, our online tax prep site is available in English only. We are hoping to launch a Spanish version by the end of May. If you need help accessing our tax prep, you can reach our bilingual (English/Spanish) tax team at 512-610-7374.

Is there a penalty for waiting until July 15th to file my taxes?
The IRS extended the filing and payment deadline for 2019 tax returns to July 15, 2020, so there is no penalty for waiting to file. All taxpayers can take advantage of the extended deadline due to coronavirus. If you are expecting a refund, we urge you to let us help you file your tax return as soon as possible.

Will filing online make my refund come sooner?

If you are expecting a refund, we urge you to file your taxes as soon as possible and claim your refund. We are able to file your return electronically with the IRS, which is the fastest way to get your refund. Your refund will be directly deposited to your bank account. Visit bit.ly/GetYourRefundAustin to get started with free online tax prep. The IRS is not currently processing mailed paper returns because of COVID-19 closures. Filing online is the only way to ensure getting a timely refund.

Can I get help claiming my $1200 stimulus check?

Our tax preparers can help you claim your stimulus check even if you don’t need to file a tax return. If you have not filed your 2018 or 2019 tax return, filing your 2019 return is the fastest way to receive your $1,200+ economic impact payment (stimulus check) from the IRS. Use our free online tax prep services to file your tax return and expedite your stimulus payment. Funds will be directly deposited into your bank account if the IRS has your account information. In most other cases a paper check will be mailed. If you do not need to file a tax return we can help you fill out the form needed to update your address or banking information.

How do I know if I’m eligible for a stimulus check (Economic Impact Payment)?

  • U.S. citizen tax filers with adjusted gross income up to $75,000 for individuals and up to $150,000 for married couples filing joint returns will receive the full payment of $1200.
  • For filers with income above those amounts, the payment amount is reduced by $5 for each $100 above the $75,000/$150,000 thresholds.
  • There is also an additional payment of up to $500 for each eligible child.
  • Single filers with income exceeding $99,000 and $198,000 for joint filers with no children are not eligible.
  • The primary taxpayer and spouse must both have a Social Security Number to get a stimulus check according to requirements in the federal CARES Act. Couples who file jointly where one has an SSN and one has an ITIN will not be able to claim any stimulus payments.

I didn’t need to file a return in 2018 or 2019 because I receive Social Security, disability (SSDI), VA benefits, or Supplemental Security Income (SSI). How can I claim my stimulus check?

Most eligible U.S. taxpayers will automatically receive their Economic Impact Payments including:

  • Social Security retirement, disability (SSDI), survivor benefits, Supplemental Security Income (SSI)
  • Recipients of Veterans Affairs benefits
  • Individuals who receive Railroad Retirement benefits

NOTE: VA and SSI recipients with eligible children need to act by May 5 to quickly add money to their automatic Economic Impact Payment. VA and SSI recipients who have a qualifying child and didn’t file a 2018 or 2019 tax return have a limited window to register to have $500 per eligible child added automatically to their soon-to-be-received $1,200 Economic Impact Payment. Visit the special Non-Filers tool on IRS.gov by May 5 to help put all of your eligible stimulus into a single payment. Our IRS-certified tax preparers can help navigate this process.

Will you reopen your in-person tax prep before the July 15 deadline? 

We hope to reopen our Prosper Centers before July 15 to provide in-person tax prep services, but we have not yet decided how or when we can reopen. Ensuring the safety of all clients, volunteers, and staff is our highest priority. When we do reopen, it will likely be on a limited, appointment-only basis in compliance with social distancing measures.

Click here for additional information from the IRS about Economic Impact Payments

Click here for more information from the Consumer Financial Protection Bureau about Economic Impact Payments