A 6th grader knows that those numbers are all BS. You can't count a "possible" benefit as income. If that's the case I'm a millionaire. Income 35,000. Married filing jointly standard deduction for married filing jointly 11,600. Education credits for 2 kids in college 2,500. Life insurance for myself 100,000. Health insurance benefit maximum 350,000.
Life insurance: 100,000
Health insurance: 350,000
Total disposable income: $499,100 dollars!
That doesn't even include my wife's pay and "benefits". Thank you for shining a light on this situation. I didn't know that I was stinking rich!