medicaid income limits ny 2022

The Marketplace will tell you if you qualify for assistance and the exact amount when you enroll. 3. 2. For a married . The standard monthly premium for Medicare Part B enrollees is $170.10 for 2022. The home equity limit for Medicaid coverage of nursing facility services and community-based long-term care is $1,033,000. That means an individual in Washington D.C. can make up to $27,692 per year and still be eligible for Medicaid. PDF New York State Income and Resource Standards for Non-magi Population Countable assets (often called resources) are calculated towards Medicaids asset limit. Prior results do not guarantee a similar outcome. Thats a 14.5% increase, and is one of the steepest increases in Medicares history. 1: 2: . Income Requirements: Medicaid Adults - Up to 138% FPL Children Age 1 through 18 - Up to 154% FPL The standard monthly premium for Medicare Part B enrollees will be $170.10 for 2022 Medicaid Resource Level for an individual $16,800 Medicaid Resource Level for a married couple $24,600 The Medicaid Income Level for an individual is $934 The Medicaid Income Level for a married couple is $1,367 Each Medicaid income limit depends on the size of your household. for larger size MAGI households. . Medicaid offers health coverage to millions of. 4) Medicaid Planning The majority of persons considering Medicaid are over the income and / or asset limit(s), but they still cannot afford their cost of care. endstream endobj startxref Financial eligibility criteria change annually, vary depending on marital status, and is further complicated by the fact that New York offers alternative pathways towards eligibility. See 18 NYCRR360-4.2, MRGp. 573, NYSGIS2000 MA-007. 223% FPL Without proper planning strategies in place, the home will be used to reimburse Medicaid for providing care rather than going to family as inheritance. NEW YORK STATE INCOME AND RESOURCE STANDARDS FOR NON-MAGI POPULATION EFFECTIVE JANUARY 1, 2022 MEDICAID INCOME LEVEL 100% FPL 120% FPL 133% FPL 135% 150% 185% 200% 250% FPL FPL FPL FPL FPL . Other eligibility criteria also apply, for example, with respect to citizenship, immigration status and residency. In 2023, the CSMIA is $3,715.50. 1660 0 obj <>stream Mar 3, 2022, 02:55pm EST | . Though income for manyincreased in 2022 with the 5.9% COLA for Social Security, their spend-down was not increased. h$6F,090(p]GP&Oi@ZTLp2p@U 9! NYS Income and Resource Limits for Medicaid (2023) This includes employment wages, alimony payments, pensions, Social Security Disability Income, Social Security Income, gifts, annuity payments, and IRA distributions. Monday - Friday 8am-8pm Saturday - 9am-1pm 1-855-355-5777 TTY: 1.800.662.1220 Conveniently chat online with one of our representatives. Here, well breakdown Medicaid spending by state and Medicaid income limits by state. Source: 2022 NYS Income and Resources Standardss and Federal Poverty Levels (FPL) <>/ExtGState<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 1224 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> Children of families with higher incomes may also qualify in some cases. In order to be eligible, you must meet household size and income limits. A type of Supplemental Needs Trust, this option can eliminate ones need to spend down income, as discussed above. MAGI (<65, Not on Medicare) & Non-MAGI (65+, Disabled, Blind), 2023 RESOURCE LIMITS - NON-MAGI MEDICAID ONLY, (should be increasing from 200% to 250% FPL in 2023! The amount of the shelter deduction is capped at (or limited to) $624 unless one person in the household is elderly or disabled. . These update the 2023 levels previously announced in December 2022 GIS 23 MA/02specifies that the updated figures are to be used for all new and pending applications and for any redeterminations made since Jan. 1, 2023. Use of this content by websites or commercial organizations without written permission is prohibited. For Regular Medicaid, there is no home equity interest limit. The consumer-directed option, CDPAP, mentioned above, is available to CFCO program participants. This category has now been subsumed under the new MAGI adult group whose limit is now raised to 138% FPL. Edmund's work as a teacher, administrator, and researcher has given him a unique perspective on how students learn and what educators can do to foster a love of learning in their students. Care is provided only in nursing homes. The standard monthly premium for Medicare Part B enrollees will be $170.10 for 2022, Medicaid Resource Level for an individual $16,800, Medicaid Resource Level for a married couple $24,600, The Medicaid Income Level for an individual is $934, The Medicaid Income Level for a married couple is $1,367, Surplus Income for Home Care can be directed to a pooled income trust, Net Available Monthly Income for Institutional Care goes to the Nursing Home over $50. Some states have their own variations of Medicaid. For more information about Medicaid, visit the Medicaid website: www.health.ny.gov/health_care/medicaid/. What is the minimum income to qualify for Medicaid in NY? these limits are 200%), (Only for those in MAGI Category withIncome AboveMAGI Medicaid Limits). For example, in Alabama, if you have a household size of eight people, to be eligible for Medicaid, you must have an annual household income before taxes that is below $62,018. The 2023HRA Income and Resources Level Chartwasupdatedand corrected 2/23/23 with the final 2023 figures. This includes transfers made by ones spouse. This allows one to hire the personal care assistant of their choosing, including select relatives. Some plans include additional benefits such as adult dental and vision coverage for additional premium. The 2023 Veteran's Aid and Attendance Pension Benefit is: Single: $2,229.33 a month or $26,752 annual 1 Dependent (Spouse or Child) $2,642.83 a month or $31,714 annual Widower's benefit $1,567 or $18,804 annual 1620 Albany, New York 12210 https://nyspltc.health.ny.gov January 2022 The only plan covered in this document is the Total Asset . What is the minimum income to qualify for Medicaid in NY? What is the Medicaid income limit for 2021 in NY? Box 9 are monthly regional Nursing Home rates, used to calculate the transfer penalty for nursing home care. 1498 0 obj <> endobj Sources of income that are counted include social security, retirement account distributions, pension, income payable from a trust, and rental income. They must be either citizens of the United States or certain qualified non-citizens, such as lawful permanent residents. This category had lower income limits than DAB/ADC-related, but had no asset limits. NY just increased income and resource limits AGAIN for people who are seeking Medicaid eligibility, from the 2023 levels originally published in December 2022. At the end of this list, youll also find average Medicaid spending by state in billions of dollars. Compare Plans and Estimate Cost | NY State of Health <>/Metadata 956 0 R/ViewerPreferences 957 0 R>> Resource Level: Income Levels: ICF/DD $35.00 . What Is The Highest Income For Food Stamps 2022? The SSI resource levels remain $2,000 for individuals and $3,000 for couples. 1) Institutional / Nursing Home Medicaid - This is an entitlement program; Anyone who is eligible will receive assistance. PDF Medicaid Eligibility and the Treatment of Income and Assets under the 435.4. stream 223% FPL 2,526. New York: 138 % 138 . Furthermore, additional criteria may need to be met for specific program benefits. Medicaids Look-Back Rule ** Non-MAGI budgeting for Aged, Blind and Disabled only allows a Household size of 1 or 2. The "Allocation Amount" is the difference between the non-MAGI income limit of 1 and limit of 2. This site is for information purposes; it is not a substitute for professional legal advice. Depending on your family's income, your child may be eligible to join either Child Health Plus A (formerly Children's Medicaid) or Child Health Plus B. . This is often the home. During this period, Medicaid scrutinizes all asset transfers to ensure none were gifted or sold under fair market value. Attorney Advertising. People in the "MAGI" category - those NOT on Medicare -- haveexpanded eligibilityup to138% of theFederalPoverty Line, so may now qualify for Medicaid even if they were not eligible before, or may now be eligible for Medicaid without a "spend-down." New York Medicaid income limits. What assets are exempt from Medicaid in New York? That would increase the maximum monthly income for those groups from $934 a month to $1,563 a month. COVID-19 NOTE -Because of the ongoing Public Health Emergency, current Medicaid recipients will have eligibility continued under their current budgets. They have NO resource limit.B, Box 15 - Congregate Care Levels I, II, and III - these are the income limits used in the, For 2023, the Medicaid non-MAGI limit is higher than the Congregte Care Level III limit, so the higher limit is used as the Medicaid limit for ALP residents. (Examples: single adults earning up to $25,520; adults in family of four earning up to $52,400). 2023 Federal Poverty Levels and ATTACHMENT New York State Income and Resource Standards for Non-MAGI Population. One can also prepay funeral and burial expenses, as well as pay off their mortgage or credit card debt. If the non-applicant spouse has monthly income under this amount, they can receive income from their applicant spouse to bring their monthly income up to this amount. Big increases in income and asset limits for Age 65+, Blind & Disabled (ABD) take effect Jan. 1,2023 - read about how these will be rolled out here. See morehere. The following table provides a quick reference to allow seniors to determine if they might be immediately eligible for long-term care from a New York Medicaid program. While there are numerous eligibility groups, including pregnant women, children, and disabled individuals, this page focuses on long-term care Medicaid eligibility for New Yorkers aged 65 and over. Sources of income that are counted include social security, retirement account distributions, pension, income payable from a trust, and rental income. 3) Regular Medicaid / Disabled, Aged 65+ or Blind (DAB) This is an entitlement program; anyone who is eligible will receive assistance. Medicare Part A coinsurance of $400 per day for day 61 through 90 in a benefit period and $800 a day for lifetime reserve days. 0 See slides 28-49. In 2022, the medically needy income limit is $934 / month for a single applicant and $1,367 / month for a couple. 2022 Nys Income and Resource Standards and Federal Poverty Levels (Fpl If the non-applicant spouse already has a monthly income of $3,715.50 or more, they will not receive a CSMIA. Medicare Extra Help annual income limits for 2022 are $20,385 for an individual or $27,465 for a married couple living together. hbbd```b``"H=d`e0&Ll _/,X30$3 ` . <> An applicant must have a functional need for long-term care Medicaid. PDF 2023 Resource and Cost-Sharing Limits for Low-Income Subsidy (LIS) See NYS 2023 Chart here. What is the income limit for food stamps 2021? To qualify, you must meet the New York Medicaid Income limits listed below. See this article. For program questions or for application assistance, persons can call the Medicaid Helpline at 1-800-541-2831. Here is the Federal Poverty Level (FPL) for 2021. of Health updated the income and resource limitsbased on the 2023 Federal Poverty Levels. PDF Medicaid Income Eligibility Levels Resource Levels - New York City Medicaid for the Disabled, Aged 65+ or Blind (DAB) is also called NON-MAGI (Modified Adjusted Gross Income) Medicaid. %%EOF This article was authored by the Evelyn Frank Legal Resources Program of New York Legal Assistance Group. You may apply for Medicaid in the following ways: Through NY State of Health: The Official Health Plan Marketplace Enrollment Assistors offer free personalized help. This can be thought of as a deductible. Treatment of Assets for a Couple If there is other income besides SSI, an additional (up to) $20 may be disregarded *For New York City, Nassau, Suffolk, Westchester and Rockland Counties **For the rest of the State Updated: 1/21/2022 MEDICAID This is a needs-based program for New Yorkers who can't afford to pay for medical care. 3 0 obj endobj Connect with a Medicaid Planner. PDF Enrolling in Medicaid or a Medicare Savings Program in New York See explanation of the different boxes on the HRA chart here. If 50% of the couples assets is under $74,820, the non-applicant spouse can keep 100% of their assets up to $74,820. The look back is intended to discourage persons from gifting assets to meet Medicaids asset limit. See rules on household size here. Everyone else -- MAGI - All children and adults under age 65, including people with disabilities who are not yet on Medicare -- this is the new "MAGI" population. %PDF-1.6 % More. How do I check my Medicaid eligibility NY? It was sometimes known as "S/CC" category for Singles and Childless Couples. Persons who are eligible for both Medicare and Medicaid are called dual eligibles, or sometimes, Medicare-Medicaid enrollees. Income amount for Medicaid eligibility will be raised to 138% of Federal Poverty Level. Box 11are the MAGI income levels -- The Affordable Care Act changed the rules for Medicaid income eligibility for many BUT NOT ALL New Yorkers. If youre on Medicare, chances are you had a bit of a shock when seeing the 2022 Medicare Part B premium amount. GOOD: Veteran's benefits, Workers compensation, and gifts from family or others no longer count as income. Equity interest is the portion of the homes equity that is owned by the applicant. The income and resources (if applicable) of legally responsible relatives in the household will also be counted. Treatment of Income for a Couple New York Child Health Plus (CHIP) | Benefits.gov Currently, a single person applying for Community (home-based) Medicaid is permitted to earn $934, and a couple is permitted to earn $1,367of monthly income without it adversely affecting Medicaid benefits. New York has a 60-month Medicaid Look-Back Period for Institutional (nursing home) Medicaid that immediately precedes ones Medicaid application date. New York State Announces 2023 Medicaid Income and Asset Levels By working with a Medicaid Planning Professional, families can employ a variety of strategies to help them become Medicaid eligible, as well as protect their home from Medicaids Estate Recovery program. In 2022, the medically needy income limit is $934 / month for a single applicant and $1,367 / month for a couple. These same rules apply to the Medicare Savings Program, with some exceptions explained in this article. Income and Resource Limits for New York State Public Health Insurance While income deposited into the trust does not count towards Medicaids income limit, trust funds can only be used for limited purposes, such as paying the Medicaid recipients bills. New York State offers Child Health Plus as a health insurance plan for kids. $2,277. For the NON-MAGI Disabled/Aged 65+/Blind, income will still be determined by the same rules as before, explained in this outline and these charts on income disregards. Family Size. When Edmund isn't working or speaking, he enjoys spending time with his family and friends. Prior years in ARCHIVES link. For example, in Maine, its program is called MaineCare, and is a hybrid federal/state program. Countable vs. Non-Countable Income The CSMIA allows an applicant spouse to supplement their spouses income by transferring some, or in some cases, all of their income to their spouse. The Maximum federal Community Spouse Resource Allowance is $148,620.00. %PDF-1.6 % Seniors in New York can apply for Medicaid in person at their Local Department of Social Services (LDSS) office, or alternatively, they can call their local office and apply via phone. This field is for validation purposes and should be left unchanged. We're here to help. 1) Institutional / Nursing Home Medicaid This is an entitlement program; anyone who is eligible will receive assistance. Furthermore, there is no Community Spouse Monthly Income Allowance for a non-applicant spouse. WARNING: Whether to use the income level for 1, 2 or more persons is not intuitive. They have NO resource limit.B, Box 12 - MAGI limits for children under 18 and pregnant women (CHIP), Box 13 - Child Health Plus limits for children under age 19 who are not Mediacid-eligible, Box 14 - Disabled Adult Child (DAC) income limits. Medicaid Income Limits Ny 2022 - IncomeProTalk.com Medicare Extra Help 2022 income limits Medicare Extra Help annual income limits for 2022 are $20,385 for an individual or $27,465 for a married couple living together. In other words, the income limit for a family of 5 may be higher than the income limit for a single person. What is the look back period for Medicaid in New York? 3) Asset Spend Down Persons who have countable assets over NY Medicaids asset limit can spend down assets to become asset-eligible. 1522 0 obj <>stream Baltimore, Maryland 21244-1850 . The Maximum federal Community Spouse Resource Allowance is $137,400. For Medicaid Community (Home Care and Assisted Living) Benefits: Resource Allowance (for Individual): $30,182 (significantly increased from $16,800 in 2022) Resource Allowance (for couple on Medicaid): $40,821 (from $24,600 in 2022) Income Allowance (for Individual): $1,677 per month (a huge increase from $934/mo in 2022) Box 16 - SSI levels. Boxes 1 and 2 are NON-MAGI Income and Resource levels -- Age 65+, Blind or Disabled and other adults who need to use "spend-down" because they are over the MAGI income levels. SNAP Special Rules for the Elderly or Disabled - USDA He loves traveling and exploring new places, and he is an avid reader who loves learning about new cultures and customs. x}mmqwKsh{qq8%Q[F?-@k?|;Gly^o~___Qnu{?P/j-}^Eo/o}^mO^?oJ;y]u}/_??te_nV=\Ss~?3m.lS_}_??=17gm3|;$}3|LFcA}4Lo/|Unk?bm>3hZo_B3>5N>lv/~zCO[>N?~Sp_m{t_me7P!f7MOfllq{?~xt+;jGnfl^+6;~KPWvvX_}Mko=!TK?~zAoSkk>_liO}wQoj{{#~fS5}'~8Eu[XSGoSrXSvvNm ~Qi#g O_EU%_S#?}a^ojS5h_~|S5EmvG:j>.k[x4X7/o=ojwv+~ yQv1^SF?>u% ~%pw] 42 C.F.R. The "unwinding" of the Public Health Emergency starts in March-April 2023. Prior results do not guarantee a similar outcome. COVID-19 NOTE - Because of the ongoing Public Health Emergency, current Medicaid recipients will have eligibility continued under their current budgets. Household . For instance, one can pay past due medical bills (within the last six years), pay for in-home care, and make home modifications to improve safety and independence, such as installing wheelchair ramps, stair lifts, and redoing a bathroom to be wheelchair accessible. Medicaid Income Limits by State | Medicaid Eligibility Explained Individuals under 19 years old are eligible for Child Health Plus, not for the Essential Plan. New rule is explained in State's directive 13 ADM-03 - Medicaid Eligibility Changes under the Affordable Care Act (ACA) of 2010 (PDF) pp. New York is a Maximum State. See this article. Edmund Duncan is an education expert and thought leader in the field of learning. Following a long-term care Medicaid beneficiarys death, the New York Medicaid agency attempts reimbursement of care costs through whatever estate of the deceased still remains. CHILDREN UNDER ONE. BAD: There is no more "spousal" or parental refusal for this population (but there still is for the Disabled/Aged/Blind.) What is the maximum income to qualify for Medicaid in NY? Also see Legal Aid Society and Empire Justice Center materials, OLD RULE used until end of 2013 -- Count the person(s) applying for Medicaid who live together, plus any of their legally responsible relatives who do not receive SNA, ADC, or SSI and reside with an applicant/recipient. Read on to find out all the Medicaid income limits by state. In addition to nursing home care, NY Medicaid pays for non-medical services and supports to help frail seniors remain living at home or in the community. The Affordable Care Act changed the rules for Medicaid income eligibility for many BUT NOT ALL New Yorkers. Effective January 1, 2023, these limits will be increased to $1,563 for an individual and $2,106 for a couple. Box 3 on page 1 is Spousal Impoverishment levels for Managed Long Term Care & Nursing Homes and Box 9 on page 5has the Transfer Penalty rates for nursing home eligibility, Box 5has Medicaid Buy-In for Working People with Disabilities Under Age 65. The Medically Needy Asset Limit is $30,180 for an individual and $40,820 for a couple. When only one spouse of a married couple applies for Nursing Home Medicaid or a HCBS Waiver, the non-applicant spouses income is disregarded. hb```g``z` @q "= ?$4 DVd2 ,2 Medicaid Income Eligibility Levels Yearly Household Income Effective January 2022; subject to annual income updates. If and when the lookback begins for home care and Assisted Living Program, the same rates will be used for the transfer penalty. Skilled Nursing Facility Co-insurance $200 for rehab days 21-100 if the patient qualifies for rehab services, Medicaid Resource Level for an individual $30,182, Medicaid Resource Level for a married couple $40,821, The Medicaid Income Level for an individual is $1,677, The Medicaid Income Level for a married couple is $2,268, Surplus Income for Home Care can be directed to a pooled income trust, Net Available Monthly Income (NAMI) for Institutional Care goes to the Nursing Home over $50. In Missouri, the state has a program called MO HealthNet that is akin to Medicaid it even has the same Medicaid income limits of most other states; recently, in October 2021, Missouri residents voted for Medicaid expansion enrollment in their state. \};}0G% px}!ccM)tuS=;T. In New York City, call the Information Hotline at 311 or (718) 557-1399. 2 . See, 13 ADM-03 - Medicaid Eligibility Changes under the Affordable Care Act (ACA) of 2010, Medicaid Buy-In for Working People with Disabilities, SSI/SSP 2023 Maximum Monthly Benefit Amounts, Training materials by Empire Justice Center, 2018 Manual on Lump Sums and Impact on Public Benefits - with resource rules. Nearly all sources of income are counted towards Medicaids income limit. Medicaid spending by state varies from year to year, with the most recent data coming from 2020. Are a New York State resident. Home Oregon Health & Science University What Is The Maximum Income For Medicaid In Ny 2022? 2) Medicaid Waivers / Home and Community Based Services (HCBS) This is not an entitlement program; there are a limited number of participant slots and waiting lists may exist. What Is The Best Medical System In Oregon? The limit is higher in Alaska, Hawaii, and Guam. Holocaust restitution payments do not count as income. Giving gifts under this rule violates Medicaids 5-year Look-Back Period. Starting in 2023, older, disabled and blind New Yorkers can make up to 138% of the federal poverty level and still qualify for taxpayer-funded health care coverage. Medicaid will also request that 25% of the excess income (over $3,715.50 / month) go towards the applicant spouses care costs. PDF Medicare Savings Program and Medicaid Expansion in New York State These services might include skilled nursing, personal care, personal emergency response systems, and housecleaning. For Nursing Home Medicaid and HCBS Medicaid Waivers, a Nursing Facility Level of Care (NFLOC) is required. This is intended to prevent the non-applicant spouse from becoming impoverished, and in 2023, allows that spouse to keep 50% of the couples assets, up to a maximum of $148,620. TO: All Part D Plan Sponsors . PDF 2022 BENEFIT LEVELS - New York State Office for People With 2) Pooled Income Trusts Disabled persons in NY who have income over Medicaids income limit can become income-eligible by depositing their excess income into a Pooled Income Trust. 1.45%For 2022, the FICA tax rate for employers is 7.65% 6.2% for Social Security and 1.45% for Medicare (the same as in 2021). 110% FPL 138% FPL LIF LEVEL 154% FPL. To be considered dually eligible, persons must be enrolled in Medicare Part A (hospital insurance), and / or Medicare Part B (medical insurance). This chart will remain effective for Medicaid, CHPlus, and Essential Plan until the new 2022 FPLs are released. MAGI (<65, Not on Medicare) & Non-MAGI (65+, Disabled, Blind) 138% Federal Poverty Level. 155% FPL 223% FPL. There are three categories of Medicaid long-term care programs for which New York seniors may be eligible. While persons residing in Medicaid-funded nursing homes are permitted to have monthly income as high as $2,742 in 2023 (in most states), they are not permitted to keep all of it. 7500 Security Boulevard . This statistic displays Medicaid income eligibility limits for adults as a percent of the Federal Poverty Level as of January 1, 2022, by state and parental status. How Many Health Authorities Are There In England? 2 0 obj Doing so violates Medicaids Look-Back Rule and can result in a Penalty Period of Medicaid ineligibility. Read our accessibility statement or click here to enable. $2,050 is less than the $2,871 allowed for a 4-person household, so determine net income. Speak with a customer service professional by phone. Box 7-8 are Medicare Savings Program levels alongwith annual Medicare figures and COBRA, AIDS Health insurance programs. WhatS The Difference Between Push Press And Overhead Press? There are three categories of Medicaid long-term care programs for which New York seniors may be eligible. 2) New York Community First Choice Option (CFCO) This is an option that allows elderly individuals to receive long-term Home and Community Based Services under the state Medicaid plan. More on how Medicaid counts income. The spend down amount is the difference between ones monthly income and the medically needy income limit. In Massachusetts, Medicaid is referred to as MassHealth. Warshaw Burstein LLP | 2022 Medicaid Income and Asset Levels Though income for many increased in 2022 with the 5.9% COLA for Social Security, their spend-down was not increased. Remember, assets cannot be gifted or sold under fair market value. Income and Assets under the New York State Partnership for Long-Term Care A Resource for Active Policyholders . 2022 Essential Plan Map | NY State of Health CHIP. Also, for MAGI -- children < 5 and pregnant women have HIGHER INCOME LIMITS than those shown. 4) Program of All-Inclusive Care for the Elderly (PACE) The benefits of Medicaid, including long-term care, and Medicare are combined into a single program. Countable vs. Non-Countable Assets 1. He has dedicated his life to helping students achieve their full potential in the classroom and beyond. Long-term care supports are provided to promote independence and may include personal care assistance, adult day care, meal delivery, and home modifications. Lamson & Cutner, P.C. on LinkedIn: UNEXPECTED News Flash - 2023 PDF New York State Income and Resource Standards for Non-magi Population HOWEVER, Medicaid rules about how to calculate the household size are not intuitive or even logical. Call 800-333-4114 for more information or to apply next year. Most states 38 and Washington, D.C. have the same income limit of $2,523 per month for a single person for most types of Medicaid services. endstream endobj 1499 0 obj <. Payout status means that ones required minimum distribution (RMD) is being withdrawn. 2022 Updated Income Limits for CHIP and Children's Medicaid Log in, Ask us about home visits and evening appointments. 4 0 obj