Add Iowa TANF Program

changelog_entry.yaml

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+- bump: minor
+  changes:
+    added:
+      - Iowa TANF (Temporary Assistance for Needy Families) program, or FIP (Family Investment Program).

docs/agents/sources/ia_tanf/README.md

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+# Iowa TANF (FIP - Family Investment Program) Documentation
+
+This folder contains authoritative documentation for implementing Iowa's Family Investment Program (FIP), which is Iowa's implementation of the federal Temporary Assistance for Needy Families (TANF) program.
+
+## Contents
+
+- `eligibility.md` - Eligibility requirements including citizenship, residency, household composition, resource limits, time limits, and work requirements
+- `benefit_calculation.md` - Income tests, deductions, payment standards, and benefit calculation formulas
+- `sources.md` - Complete list of authoritative sources with URLs and citations
+
+## Quick Reference
+
+### Program Name
+- **Official Name**: Family Investment Program (FIP)
+- **Federal Program**: Temporary Assistance for Needy Families (TANF)
+
+### Legal Authority
+- Iowa Code Chapter 239B
+- Iowa Administrative Code 441, Chapters 41 and 93
+
+### Key Parameters (Effective 7/1/2025)
+
+| Parameter | Value |
+|-----------|-------|
+| Gross Income Limit | 185% of Standard of Need |
+| Earned Income Deduction | 20% |
+| Work Incentive Disregard | 58% |
+| Resource Limit (Applicant) | $2,000 |
+| Resource Limit (Recipient) | $5,000 |
+| Time Limit | 60 months lifetime |
+
+### Payment Standards (Family of 3)
+
+| Standard | Amount |
+|----------|--------|
+| Standard of Need | $849/month |
+| 185% Gross Limit | $1,570.65/month |
+| Payment Standard | $426/month |
+
+## Implementation Checklist
+
+- [ ] Create parameter files for income standards
+- [ ] Create parameter files for payment standards
+- [ ] Implement gross income eligibility test
+- [ ] Implement net income eligibility test (applicants)
+- [ ] Implement payment standard test
+- [ ] Implement 20% earned income deduction
+- [ ] Implement 58% work incentive disregard
+- [ ] Implement benefit calculation
+- [ ] Create unit tests for each component
+- [ ] Create integration tests
+
+## Related Documentation
+
+- See `working_references.md` in the repository root for a consolidated implementation summary
+- See existing state TANF implementations (CO, CA, NY, NC) for code patterns

docs/agents/sources/ia_tanf/benefit_calculation.md

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+# Iowa FIP (Family Investment Program) Benefit Calculation
+
+## Legal Authority
+
+- **Iowa Administrative Code 441-41.27(239B)**: Income
+- **Iowa Administrative Code 441-41.28(239B)**: Need Standards
+
+## Income Eligibility Tests
+
+Iowa FIP uses a three-test system for initial eligibility and a two-test system for continuing eligibility.
+
+### Initial Eligibility (Three-Step Process)
+
+1. **Test 1: 185% Gross Income Test**
+   - Countable gross nonexempt unearned and earned income must be at or below 185% of the Standard of Need for the eligible group size
+
+2. **Test 2: Standard of Need Test (Net Income)**
+   - Applied only to applicant families and reapplicants
+   - Calculation: Gross nonexempt income minus 20% earned income deduction and diversions
+   - If income >= Standard of Need: application denied
+   - If income < Standard of Need: eligible for 50% work incentive deduction (58% per current rules)
+   - Standards found in Schedule of Living Costs (Desk Aid RC-0033)
+
+3. **Test 3: Payment Standard Test**
+   - Applied if Tests 1 and 2 are passed
+   - Calculation: Net income from Test 2 plus work incentive deduction
+   - If income >= Payment Standard: no eligibility
+   - If income < Payment Standard: FIP grant = Payment Standard - countable net income
+
+Reference: Iowa Administrative Code 441-41.27(239B)
+
+### Continuing Eligibility (Two-Step Process)
+
+1. Gross nonexempt income cannot exceed 185% of Standard of Need
+2. Countable net income must be below Payment Standard
+
+## Income Deductions and Disregards
+
+### 20% Earned Income Deduction
+
+Each person in the assistance unit whose gross nonexempt earned income is considered is entitled to a **20% earned income deduction** of nonexempt monthly gross earnings.
+
+This deduction covers work-related expenses including:
+- Taxes
+- Transportation
+- Meals
+- Uniforms
+- Other work-related expenses
+
+Reference: Iowa Administrative Code 441-41.27(239B)
+
+### Work Incentive Disregard (58%)
+
+After deducting the 20% earned income deduction and income diversions, the department disregards **58%** of the total remaining monthly nonexempt earned income.
+
+This applies to:
+- Earnings as an employee
+- Net profit from self-employment
+
+**Note:** The work incentive disregard is NOT time-limited, but does not apply during initial eligibility determination (Test 2).
+
+Reference: Iowa Administrative Code 441-41.27(239B); Cornell Law Iowa Admin Code r. 441-41.27
+
+## Income Standards Tables (Effective 7/1/2025)
+
+### Schedule of Living Costs (100% Standard of Need)
+
+| Family Size | Monthly Amount |
+|-------------|----------------|
+| 1 | $365 |
+| 2 | $719 |
+| 3 | $849 |
+| 4 | $986 |
+| 5 | $1,092 |
+| 6 | $1,216 |
+| 7 | $1,335 |
+| 8 | $1,457 |
+| 9 | $1,576 |
+| 10 | $1,724 |
+| Each additional | +$173 |
+
+Reference: Iowa Administrative Code 441-41.28(239B)
+
+### 185% of Standard of Need (Gross Income Limit)
+
+| Family Size | Monthly Amount |
+|-------------|----------------|
+| 1 | $675.25 |
+| 2 | $1,330.15 |
+| 3 | $1,570.65 |
+| 4 | $1,824.10 |
+| 5 | $2,020.20 |
+| 6 | $2,249.60 |
+| 7 | $2,469.75 |
+| 8 | $2,695.45 |
+| 9 | $2,915.60 |
+| 10 | $3,189.40 |
+| Each additional | +$320.05 |
+
+Reference: Iowa Administrative Code 441-41.28(239B)
+
+### Schedule of Basic Needs (Payment Standard)
+
+The Payment Standard equals approximately **50.18%** of the Schedule of Living Costs.
+
+| Family Size | Monthly Amount |
+|-------------|----------------|
+| 1 | $183 |
+| 2 | $361 |
+| 3 | $426 |
+| 4 | $495 |
+| 5 | $548 |
+| 6 | $610 |
+| 7 | $670 |
+| 8 | $731 |
+| 9 | $791 |
+| 10 | $865 |
+| Each additional | +$87 |
+
+Reference: Iowa Administrative Code 441-41.28(239B)
+
+## Benefit Calculation Formula
+
+### For Eligible Families
+
+```
+FIP Benefit = Payment Standard - Countable Net Income
+```
+
+Where Countable Net Income is calculated as:
+
+**For Initial Applicants (Test 3):**
+```
+Countable Net Income = Gross Income - 20% Earned Income Deduction - Diversions - 58% Work Incentive
+```
+
+**For Recipients:**
+```
+Countable Net Income = Gross Income - 20% Earned Income Deduction - Diversions - 58% Work Incentive
+```
+
+## Special Needs Allowances
+
+- **Guardian/conservator fee**: An amount not to exceed $10 per case per month may be allowed
+
+Reference: Iowa Administrative Code 441-41.28(239B)
+
+## Exempt Income (Complete List)
+
+The following income is exempt from FIP income calculations:
+
+### Government Benefits
+- SNAP (Food Stamp) benefits
+- SSI recipient income (when SSI recipient is not in eligible group)
+- Earned Income Tax Credit (EITC) - federal and state
+- Low-Income Home Energy Assistance (LIHEAP)
+- WIC program benefits
+- Foster care/kinship caregiver payments
+- Rent supplements from governmental agencies
+- Disaster and emergency assistance
+- Indian tribal judgment funds
+- Retroactive SSI benefits and payments
+- General assistance from county funds (non-basic need or emergency)
+
+### Employment and Training
+- PROMISE JOBS payments
+- Training allowances (Department of the Blind, JTPA, Vocational Rehabilitation)
+- Food Stamp Employment and Training allowances
+- Car pool payments
+- Job-related reimbursements
+- VISTA volunteer payments
+- Incentive allowances from Work Force Investment Project
+- AmeriCorps educational awards
+
+### Education
+- Educational/training assistance and financial aid
+- Earnings of students age 19 or younger in full-time school (high school or equivalent)
+
+### Child Support
+- Up to $50 of current monthly support paid by legally responsible person
+
+### Other Exempt Income
+- Food from home production
+- Food coupons value and USDA commodities value
+- Income in-kind
+- Gifts of $30 or less per person per calendar quarter
+- Loans and bona fide loans
+- Income tax refunds
+- Vendor payments
+- Interest or dividend payments
+- Third-party reimbursements
+- Medical expense settlements
+- Individual Development Account (IDA) deposits
+- Refunds from rent or utility deposits
+- Terminated income of retrospectively budgeted households (when requirements met)
+- Veterans benefits under Aid and Attendance program
+- Census worker earnings
+- Family Support Subsidy payments
+
+Reference: Iowa Administrative Code 441-41.27(239B)
+
+## Self-Employment Income Rules
+
+- **Net Profit Calculation**: Either 40% of gross income deducted OR actual documented expenses
+- **Irregular Self-Employment**: Averaged over 12-month period
+- **Work Hours Calculation for Self-Employed**: Actual gross income less business expenses divided by federal minimum wage
+
+Reference: Iowa Administrative Code 441-41.27(239B)
+
+## Lump Sum Income Treatment
+
+- Nonrecurring lump sum amounts create ineligibility period
+- Ineligibility period calculated by dividing lump sum by standard of need
+- Period can be reduced if:
+  - Living costs increase
+  - Funds spent on medical services
+  - Funds spent on home repairs
+  - Funds spent on funeral expenses
+
+Reference: Iowa Administrative Code 441-41.27(239B)
+
+## Income Attribution and Budgeting
+
+### Prospective Budgeting
+Iowa FIP uses prospective budgeting - "a projection of income based on the best estimate of future income."
+
+### Variable Income
+For variable income: "all income received in the period being used and dividing the result by the number of instances" establishes the monthly projection.
+
+### Income Conversion Rules
+- **Weekly Income**: Multiply by 4 regardless of actual payment frequency
+- **Biweekly Income**: Multiply by 2 regardless of actual payment frequency
+
+### Self-Employment Income
+Self-employment income not received regularly is "averaged over a 12-month period of time."
+
+Reference: Iowa Administrative Code 441-41.27(239B)
+
+## Example Calculation
+
+**Family of 3 with one employed parent earning $800/month gross:**
+
+1. **Test 1 (185% Gross Income Test):**
+   - Gross Income: $800
+   - 185% Standard of Need for 3: $1,570.65
+   - $800 < $1,570.65 - PASS
+
+2. **Test 2 (Standard of Need Test - Applicant Only):**
+   - Gross Income: $800
+   - 20% Earned Income Deduction: $800 x 0.20 = $160
+   - Net Income: $800 - $160 = $640
+   - Standard of Need for 3: $849
+   - $640 < $849 - PASS (eligible for work incentive)
+
+3. **Test 3 (Payment Standard Test):**
+   - Net Income from Test 2: $640
+   - 58% Work Incentive: $640 x 0.58 = $371.20
+   - Countable Net Income: $640 - $371.20 = $268.80
+   - Payment Standard for 3: $426
+   - $268.80 < $426 - PASS
+
+4. **Benefit Calculation:**
+   - FIP Benefit = $426 - $268.80 = $157.20/month