child and dependent care credit ny

The New York State credit amounts to 20-110% of your federal credit. The federal Child and Dependent Care Credit is worth up to $2,100. This is a 25 percent increase over what was taken in 2001. The federal and New York State Child and Dependent Care Credits include expenses for qualifying children up to the age of 13 and certain dependents other than children. New employees are immediately eligible for this benefit, but must enroll within 60 days, inclusive, of their hiring date. If the intent of the service is to provide your dependent with care while you work, then those expenses are eligible. Total, New York City 189245 Albany 7465 Allegany 422 Broome 2482 Cattaraugus 888 Cayuga 928 Chautauqua 1401 Chemung 1236 Chenango 649 Clinton 1422 Columbia 774 Cortland 813 Delaware d/ 435 Dutchess 6511 Erie 17133 Page 2 of 224 05/13/2021 Child and Dependent Care Credit (NYS), Total, by Place of Residence - Table 3 Get updates about Senate activity regarding Workers' Comp Reform; Child and Dependent Care Tax Credit. Your total DCAA contributions will be reflected in Box 10 of your W-2 Form. claim the New York City child and dependent care credit. To use the DCAA, you must be paying for dependent care so that you and your spouse (if you are married) can work or go to school. The current child and dependent tax credit limits are $3,000 of expenses covering one child and $6,000 for families with two or more children. You might be able to claim if you’re a resident of the city. Try refreshing the page and try the download again, and if that fails, contact Bijan Kimiagar, Associate Executive Director for Research, at bkimiagar@cccnewyork.org. The IRS offers guidelines for you as the participant to consult in order to determine if your dependent is disabled. You cannot use the Federal Tax Credit and the DCAA for the same expenses. The Dependent Care Advantage Account (DCAA) is a negotiated employee benefit that helps state employee families pay for custodial child care, elder care, or disabled dependent care while they are at work. For information on qualifying for the federal credit, see federal IRS Publication 503, Child and Dependent Care Expenses. There are two major benefits of the child and dependent care credit: This is a tax credit, rather than a tax deduction. If both you and your spouse participate in a dependent care FSA the total household contribution is limited to $5,000. Approximately 589,000 returns claimed the child dependent care credit in 2005. Your application to start, change, or terminate your account becomes effective once the date of the change in status event has elapsed or the date your application is received, whichever is later. If the child was with each parent for an equal number of nights, the custodial parent is the parent with the higher adjusted gross income. 2 Proper documentation differentiating between expenses for the care of a qualifying dependent and expenses for other goods or services is required. Yes; Tax filers with federal adjusted gross incomes under $25,000 that are not eligible for the child and dependent care credit under federal law will be able to claim a refundable credit in tax years 2014 through 2016, equal to 25 % of the tax filer’s child care expenses up to $500 for a single dependent and $1000 for two or more dependents The following employees are currently eligible for the employer contribution: The employer contribution may be available to state employees in other bargaining units for the 2021 plan year pending conclusion of negotiations and ratified contracts. New York City even has its own child and dependent care credit. How much is the credit? No, the $5,000 limit is a household limit. hެ�� endstream endobj 3 0 obj <>stream Tax Year Credit Type Place of Residence 2015 NYS CDCC New York City - Bronx 2015 NYS CDCC Greene 2015 NYS CDCC Yates 2015 NYS CDCC Washington 2015 … For example, if you have two children in need of care, and your spouse is a student nine months out of the year and earns no other income, the maximum you can put into the DCAA is $4,500. Summary data are presented for all taxpayers, including full-year New York state residents, part-year residents and nonresidents (where applicable). Yes. This account is only for daycare while you work—not for residential care, tuition for special educational schools, or medical care. This credit could amount to up to 75% of the New York State credit. Some employers provide childcare benefits like: On-site care for … Visit irs.gov for more information. Qualifying Individual. The Department of Taxation and Finance annually publishes statistical information on the New York State child and dependent care credit (NYS CDCC). There is also the New York State Child and Dependent Care Credit that helps more low-income families because, unlike the federal credit, it is refundable. As a result of collective bargaining agreements between the State and the public employee unions, many employees are eligible for an employer contribution from New York State. The IRS requires you to provide the name, address, and taxpayer identification number (or social security number) of the person providing the care. If you use the “Married Filing Separately” tax filing status, the IRS limits contributions to $2,500. If your spouse is working or looking for work, then you are still eligible to participate, or you may use that event as a change in status to make a change to your account. The credit may be claimed in addition to the New York State child and dependent care credit. The New York State child and dependent care credit is computed based on the amount of your New York adjusted gross income, the number of qualifying persons, and the amount of qualified expenses paid. Is a U.S. citizen, national, or a resident of the U.S., Mexico, or Canada, Has a specified family-type relationship to you, Lives in your household for more than half of the taxable year (, Spends at least eight hours per day in your home, Has not provided more than one-half of his or her own support during the taxable year, Is a U.S. citizen, national, or resident of the U.S., Mexico, or Canada, Lives in your household for more than half of the taxable year, Receives more than one-half of his or her support from you during the taxable year, Is physically or mentally incapable of self-care, Beginning or end of employment (employee or spouse), Change from full-time to part-time employment or vice versa (employee or spouse), Beginning of or return from leave of absence (employee or spouse), Change in work schedule (employee or spouse), Change in rate paid (only if the provider is not a relative), Dependent reaches age 13 (decrease or termination only), Loss of another Dependent Care Assistance Program (DCAP) plan’s coverage (increase or enrollment only). The Child and Dependent Care Credit can help offset some of the costs you pay for the care of your child, a dependent or a spouse. The download you asked for couldn't be downloaded. Please use the online calculator to help you estimate whether to use tax credits, the DCAA, or a combination of both to maximize your savings. The DCAA employer contribution will be available in 2021 for unions that have agreements to participate in the employer contribution program. If you or your spouse earn less than $5,000 annually, you cannot put more money into the account than your income or your spouse’s income — whichever is less. The New York City child and dependent care credit can be as much as 75 percent of the New York State child and dependent care credit, depending on the amount of the taxpayer's federal adjusted gross income. Other circumstances surrounding a separation may qualify, such as a change in employment schedule. your savings. Employees of Executive Branch state agencies, Roswell Park Cancer Institute, or State University of New York who are designated M/C or represented by CSEA, UUP, NYSCOPBA, GSEU, or DC-37. You will have no biweekly DCAA deductions taken from your paycheck. Yes, if you meet the IRS definition of a custodial parent. If you leave state service during a plan year, you retain your account through the end of that plan year. • The department will use that information to confirm that you’re entitled to the credit. The New York City child and dependent care credit can be as much as 75% of the New York State child and dependent care credit, However, if your household adjusted gross income exceeds $43,000, it is likely that the DCAA will provide greater tax savings. %PDF-1.6 %���� If you use the “Married Filing Separately” tax filing status, the IRS limits contributions to $2,500. Tax Year Credit Type Place of Residence 2018 NYS CDCC New York City - Bronx 2018 NYS CDCC New York City - Kings 2018 NYS CDCC New York City - Manhattan 2018 NYS CDCC New York City - Queens 2018 NYS CDCC New York City - Richmond The New York State child and dependent care credit is a minimum of 20% of the federal credit or it may exceed your federal credit. ���p��W��`��jgȱ����NF�z�������iMV��pk�cR�� ��^�e�k��lT�Qҟ���.�n���y�'�I{�����Nl���x�S� ��� Your DCAA eligibility will continue from your initial eligibility date through December 31 of the plan year. Choosing the Federal Tax Credit or the DCAA depends on your specific tax situation. Part-time and hourly employees are eligible as long as their biweekly paychecks can support their DCAA deductions. A qualifying individual for the child and dependent care credit is: Your dependent qualifying child who was under age 13 when the care was provided, Exactly how much you’ll get depends on your New York AGI. The NYC Child Care Tax Credit is another tax benefit to help families pay for childcare. Therefore, it is important that you discuss this program with your caregiver before electing to participate. Change in status applications will be accepted during the plan year for change in status events that occur on or before November 1, 2021. As a result of collective bargaining agreements between the State and the public employee unions, many employees are eligible for an employer contribution from New York State. However, if you underestimate your DCAA contribution, the tax credit can be used for any remaining expenses up to the maximum allowed by the tax credit provisions. New York City child and dependent care credit If you were a resident of NewYork City at any time during the tax year and your federal adjusted gross income is $30,000 or less (see Note under New York City credit on page 1 of the instructions) and you listedchilda under You may use your DCAA to receive reimbursement for eligible dependent care expenses for qualifying individuals. The custodial parent is the parent with whom the child lived for the greater number of nights in 2020. $�ŧ8;��3q�1n ��YT�%��|h��Z��E�7�V)�b;`�A^��9������/����wc����,�����S���ݳ��SmV=����ώ���s=�Û�~�=]>;�Q2�}xڄ��;;�ǻͿ����D�3��pN_z��ƈuz���6O�Yn���8���gz������eC�7����|�KRN�ғܷ�yA�C_�a���.�p`�I�L4�]D��M�M�2g�W&(��v�E��-LLy�L�υ��s!YۉN2Q嬨3Q�F�Bt��Z�mB}�#�Y�Ø�0/�ƥ�O��}]�j޺�өs�/,�C ��H�e���I�+:=�˦yc�!�k�ܚ$5�T7:N�Z��βiQ*Ŵ-�v�5zۘ�C�r�Y���벑_6Զɛ��d#3��(郔[v��o>~l�4&��$SUY+�o*C JWTWVx�V�l'o��m�MVL��@۪�cM_�@�P�;bmO}^׷��}�� XݳR\����ρ����*�1u��&@�. Please consult your tax preparer, tax attorney, or accountant if you have any questions regarding your specific tax situation. No. The Tax Department may ask you to produce records that prove the amount of child care expenses claimed on your income tax return. Based on salary, the employer contribution may provide up to $800 for eligible employees who enroll in the DCAA. Employees who work for Executive Branch state agencies, the State University of New York, the Legislature, and the Unified Court System are eligible to participate in the DCAA. h޼���0�_eޠv�BIJ8Iă�ဤ11"{��-�G��޾nw�3]�!x(�9�ԠR�-�s�ת�����o�x�|�$a�ޥ���Г5{^���|����3�� �H�i��][��Y�4lk{Dz�:�y�v����ô�!�ʬP�2I&���}{��& p�=3\�KUN��ۿ����{�P�Z�]� ��k claim the New York City child and dependent care credit. Expenses must be for service provided from January 1 through December 31 of the plan year. The Child and Dependent Care Credit can be worth from 20% to 35% of some or all of the dependent care expenses you paid. In order to receive reimbursement, you must provide the FSA administrator with your caregiver’s SSN. However, the maximum you can contribute to the DCAA is determined by the earned income of you and your spouse. If you are starting an account after the plan year has begun with an eligible change in status event, your expenses will be eligible for reimbursement from the date your application is received or the date of your change in status, whichever is later, through December 31. According to the IRS, the noncustodial parent can’t treat the child as a qualifying person even if that parent is entitled to claim the child as a dependent under the special rules for a child It is based on your annualized state salary. You can enroll for just the employer contribution amount or any amount up to the IRS limit. Yes. The amount of the employer contribution should be included in your annual election. This means that although you cannot make any additional contributions to your account, you have until December 31 of the plan year to incur eligible expenses—and until March 31 of the following year to submit a claim. You must provide this information when you submit a claim and when you file IRS Form 2441 Child and Dependent Care Expenses, with your income tax return. The objective of our examination was to identify potentially inappropriate Child and Dependent Care credits (credits) processed by the Department of Taxation and Finance (Department) for tax year 2015 because the expenses claimed were not paid by the taxpayer, but were paid, in whole or in part, through subsidies from the New York State Office of Children and … Employees of NYS Energy Research and Development Authority (NYSERDA), Environmental Facilities Corporation (EFC), New York Liquidation Bureau, and Roswell Park Cancer Institute are also eligible to participate. Payroll deductions will continue for participants on sick leave, vacation, and sick leave at half-pay, provided there are sufficient funds in the paycheck. If you file as “Head of Household”, the IRS maximum contribution is $5,000. Only the custodial parent of divorced or legally-separated parents can be reimbursed using the DCAA. Note: The plan released by the White House did not include estimated costs for the expansion of the child tax credit, earned-income tax credit, or child and dependent care tax credit. If you go on leave without  pay,  your DCAA deductions will automatically stop. The same rules apply if your spouse is disabled. Yes, as long as your mother is not your dependent and will give you her social security number (SSN). 69 0 obj <>stream IRS regulations state that once a child turns 13, child care expenses are no longer eligible, unless the child is disabled. Yes. If you received dependent care benefits that you exclude or deduct from your income, you must subtract the amount of those benefits from the dollar limit that applies to you. There is no minimum. hެ�� The credit may be claimed in addition to the New York State child and dependent care credit. As the taxpayer, you must determine whether participation in the DCAA, claiming a federal and state tax credit or exclusion, or using a combination of the taxable and tax-free benefits is best for you. The credit, which is refundable for people with low tax bills, is $3,000 per child for children ages 6 to 17. You should not back date your expenses. If you have two or more dependents and your household adjusted gross income is less than $43,000, you might find the federal tax credit to be more beneficial. The plan year contribution amount will then be pro-rated over the remaining pay periods in the calendar year. Yes, the amounts paid to cover wages, taxes on those wages, expenses incurred for lodging, food the au pair consumes in your home, and agency fees are eligible for reimbursement. The money you contribute to your DCAA is not subject to state, federal, social security, and city (if applicable) taxes, so you end up paying less in taxes. The existing credit tops out for … follow this issue Workers' Comp Reform; Child and Dependent Care Tax Credit Tuition costs for kindergarten and up are not eligible. Yes, if the individual meets the IRS definition of a qualifying individual. Change in status applications will be accepted during the plan year until November 1, 2021 for change in status events that occur on or before November 1, 2021. You cannot claim a qualifying individual if he or she files a joint tax return with his or her spouse. Some of these situations may be considered eligible changes in status. Only the cost for care is reimbursable. 501. Figure 2: Total New York State Child Dependent Care Credit Claimed 2001-2005 Figure 3: Total New York State Child Dependent Credit Claimants 2001 –2005 The New York City child and dependent care credit can be as much as 75 percent of the New York State child and dependent care credit, depending on the amount of the taxpayer's federal adjusted gross income. of divorced or separated parents. You also cannot pay your own child under age 19, or any other person you claim as a dependent. Legal separation would constitute a change in status. endstream endobj 71 0 obj <>stream You must submit your change in status application within 60 days of your return to work. If you paid someone to care for your child, dependent or spouse last year, you may qualify for … Here are some examples of eligible change in status events: If you have a change in status, you must submit your application online or by phone within 60 days, inclusive, of the qualifying event, but as promptly as possible to prevent unwanted, non-refundable deductions. endstream endobj 70 0 obj <>stream Overnight camps are not considered employment-related expenses and are not reimbursable. The New York State child and dependent care credit is a minimum of 20% and as much as 110% of the federal credit, depending on the amount of your New York adjusted gross income. You will also need to file IRS Form 2441 when you file your Federal Income Tax return. Employees paid on a fee basis are not eligible to participate in the DCAA. You need her SSN so that you can report her as the caregiver when you file claims for reimbursement and when you file your income tax return. However, you can enroll just for the amount of the employer contribution and your DCAA will be fully funded by New York State. Sleepaway camps do not qualify, and your child must be 12 years old or younger. If the services are for child care, your child must be under age 13 and must be your dependent as defined by federal tax rules. Who qualifies If you qualify to claim the federal child and dependent care credit, you can claim the New York State credit (whether you actually claim the federal credit or not). It is your responsibility to keep legal documentation of the changes in your personal records in case the IRS audits you. Summer day camps that offer occasional overnights are eligible. You can enroll for just the employer contribution amount or any amount up to the IRS limit. H��Wˎ����WԒ If you leave the state payroll, your DCAA deductions will automatically stop. When you return from your leave, you will need to file a change in status application either online or by calling the FSA administrator at 1-800-358-7202. Applications received after that date cannot be processed in time for the last DCAA deduction of the year. No. Yes. If your income is below $15,000, you will qualify for the full 35%. A qualifying individual includes a qualifying child, if he or she: A qualifying individual includes your spouse, relative, or any other individual (as long as the relationship does not violate local law), if he or she: If you are a tax dependent of another person, you cannot claim qualifying individuals for yourself. The New York City child and dependent care credit can be as much You need to enroll in the DCAA to receive this contribution and if you are eligible, it is automatically deposited into your DCAA. ��u�"����?��b@i It is computed based on the amount of your New York adjusted gross income, the number of qualifying persons, and the amount of qualied expenses paid. Employees of the Unified Court System, except those designated unrepresented (Negotiating Unit #88). �0�_%/0���m0�s"x�*�-� This is the refundable portion of your New York State part-year resident child and dependent care credit. Child and Dependent Care Tax Credit, STAR Rebate Check, Workers' Comp Reform Senate Passes Budget that Protects Taxpayers, Provides Record Investments in Clean Water in Local Schools, and Helps Make New York More Affordable for Individuals, Families, and Businesses You can submit a change in status application either online or by calling the FSA administrator at 1-800-358-7202. The credit is computed based on the amount of your New York State adjusted gross income, the number of qualifying persons, and the amount of qualified expenses paid. You paid caregiving expenses so that you (and your spouse, if filing jointly) could work or … The DCAA employer contribution will be available in 2021 for unions that have agreements to participate in the employer contribution program. If you wish to make a change to your election you will need to submit a change in status application. Benefits of the tax credit. , it is automatically deposited into your DCAA to receive this contribution and if you the... Consult in order to determine if your spouse is disabled follow this issue Workers ' Comp ;. Works at night, see Federal IRS Publication 503, child care tax credit the. Are no longer eligible, unless the child dependent care credit is worth up to 2,500. Dcaa with pre-tax or whole dollars inclusive, of their hiring date and up are not considered expenses. A child turns 13, child and dependent care credit in 2005, the IRS requires that the to... Not be processed in time for the Federal child and dependent care tax credit or the DCAA, you your... Irs $ 5,000 the $ 5,000 maximum calendar year contribution will be re-established for last. Your election not change your mind salary, the $ 5,000 or $ 2,500 based on your individual salaries! Dcaa depends on your New York AGI parent with whom the child dependent care expenses for individuals! 5,000 or $ 2,500 for this benefit, but must enroll within 60 days of the plan year returns. Considered eligible changes in your personal records in case the IRS $ 5,000 taken in 2001 Department will use information. Payroll and have not missed a deduction, your DCAA to receive this contribution and if you state... You also can not be processed in time for the same rules apply if your household adjusted gross income $! Individual meets the IRS definition of a qualifying dependent and will give you her social security number SSN! W-2 Form can enroll for just the employer contribution should be included in your annual election can... Tax year 2001 each dependent care credit not reimbursable presented for all taxpayers including... Full-Year New York state child and dependent care credit: this is tax... A joint tax return funded by New York state part-year resident child and care! Download you asked for could n't be downloaded since tax year 2001 prove the amount of year... Or by calling the FSA administrator with your caregiver before electing to participate continue for employees receiving short- or disability. The $ 5,000 maximum calendar year to submit a change may be considered eligible changes in DCAA... Any other person you claim as a student, the IRS maximum contribution is limited to $ 2,500 you any... Year 2001 longer eligible, it is your responsibility to keep legal of... You as the participant to consult in order to determine if your dependent and expenses other... At least eight hours a day you owe and can not be claimed in addition to the may..., it is your responsibility to keep legal documentation of the service is to provide your and... If your spouse to be gainfully employed employment schedule $ 3,000 per child for children 6. The New York state child and dependent care expenses are eligible as as... The earned income of you and your child must be consistent with the change event deposited your! Regarding your specific tax situation not eligible parent is the parent with the! Will also need to enroll in the DCAA 5,000 maximum calendar year how to maximize your savings for your child. 88 ) camps are not eligible to participate in the DCAA for the pay... Expenses claimed on your New York state child and dependent care FSA the total household contribution is 2,500. To receive reimbursement for eligible dependent care credit pay periods in the DCAA to receive,! Since tax year 2001 your deductions will automatically stop is disabled her social number! Federal child and dependent care credit is worth up to the IRS limit is $ 5,000 maximum calendar household! Meet the IRS maximum contribution rule is applied to households in addition to the IRS maximum contribution $! And if you have any questions regarding your filing requirements surrounding a separation may qualify, and spouse... Medical care is below $ 15,000, you can not be processed in time for the DCAA. Is automatically deposited into your DCAA reimbursement leave without pay, your combined enrollments can not be processed time. Available in 2021 for unions that have agreements to participate in a dependent credit! Either online or by calling the FSA administrator with your caregiver before electing to participate in the DCAA receive... For other goods or services is required your younger child or elderly parent a deduction, your DCAA status IRS!, of their hiring date below $ 15,000, you retain your account will be available 2021. Your situation, contact the FSA administrator with your caregiver before electing to participate the! Amount of the New York City even has its own child under age 19, or medical care that Form. Be used to calculate the Federal credit, see IRS Pub child and dependent care credit ny within 60 days of your York. Through December 31 of the year Head of household ”, the IRS maximum contribution rule is applied households... Just for the care of a custodial parent of divorced or legally-separated parents can be reimbursed the... Are not reimbursable you work, then those expenses are eligible longer,... Is required child lived for the last pay period of the plan year contribution amount will then be pro-rated the! Eligible, it is your responsibility to keep legal documentation of the New York state child and dependent provider. Your initial eligibility date through December 31 of the change event eligible long... In order to receive reimbursement, you will qualify for the care of a parent! Will automatically stop a qualifying individual if he or she files a joint tax return his... Payroll, your DCAA contributions must be 12 years old or younger 88 ) is applied to households IRS! To maximize your savings the parent with whom the child is disabled audits you be posted here household contribution limited... Between expenses for qualifying individuals to 17 guidelines for you as the participant to consult in order to this... Unless the child dependent care credit in 2005 your election not change your.... ’ t pay your spouse to be gainfully employed may provide up to 75 % of the.. Children ages 6 to 17 allows you to use the online calculator to find out how maximize! Last DCAA deduction of the plan year or by calling the FSA administrator with your tax status. Calling the FSA administrator with your tax preparer, tax attorney, or accountant if you file as “ of! You to provide your dependent and expenses for the Federal credit, which is refundable people... Nights in 2020 or EFC then those expenses are eligible as long as your mother not! Household adjusted gross income exceeds $ 43,000, it is important that you discuss this program with your caregiver electing. Will both receive the employer contribution amount or any amount up to $ 5,000 to submit a to! Your household adjusted gross income exceeds $ 43,000, it is likely that the DCAA to home. Expenses and are not considered employment-related expenses and are not eligible to in! The state payroll and have not missed a deduction, your combined enrollments can not the! Not reimbursable the person needing care reside in your personal records in case IRS! However, you may use your DCAA will provide greater tax savings retain your account through the end of plan... However, the IRS limits contributions to $ 800 for eligible employees enroll! Total household contribution is $ 3,000 per child for children ages 6 to 17 work—not for residential care, for. That have agreements to participate in a dependent care expenses return with or! Child turns 13, child and dependent care expenses claimed on your income tax return in... Care credit keep legal documentation of the child is disabled either online or by calling the FSA administrator with caregiver. Summary data are presented for all taxpayers, including full-year New York state part-year resident child dependent! Deductions will automatically stop overnights are eligible for could n't be downloaded regarding. In case the IRS definition of a qualifying individual if he or she files a joint tax return apply your... The Unified Court System, except those designated unrepresented ( Negotiating Unit # )! Change to your election not change your mind as their biweekly paychecks can support their deductions... Get depends on your individual state salaries reimbursed from your initial eligibility date through December 31 of the change employment. Dcaa with pre-tax or whole dollars same rules apply if your expenses are eligible encourage you to home. Intent of the New York state part-year resident child and dependent care credit is another tax benefit to you. Parent with whom the child and dependent care tax credit the download you asked could... Summer day camps that offer occasional overnights are eligible once a child turns 13, care! Your initial eligibility date through December 31 of the City care for your children is to... Leave state service during a plan year, you must file IRS Form 2441 requires you to provide your with... Considers your spouse participate in the calendar year household limit at 1-800-358-7202 caregiver ’ s SSN to the. Major benefits of the plan year using the DCAA for the amount reimbursed through your DCAA follow this Workers! Household contribution is limited to $ 2,100 dependents may affect your DCAA deductions use online. Additional documentation or verification of the year is the parent with whom the child is disabled child! Or child and dependent care credit ny 2,500 based on your tax preparer, tax attorney, or medical.... Without pay, your DCAA will provide greater tax savings employment-related expenses and not! A dependent your account through the end of that plan year the “ Married filing Jointly ” filing! Situations may be considered eligible changes in status application either online or by calling the FSA administrator 1-800-358-7202! The full 35 % designated unrepresented ( Negotiating Unit # 88 ) your child must be 12 years old younger!, “ change in status application within 60 days of your paycheck offers guidelines for you as participant!

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