Medical Student Life Insurance
Tax 2009 Medical Expenses, Mother and Son?
I am single mom. My son lives with me, he is student in University.
My income is 16,000 (I work in retail at department store), however his was more than mine because he worked like a practitioner at one company during this year.
He had surgery in 2009. He was on my Medical Insurance (which I receive from my job).
I had to pay out of our packet the amount close to $3000. This included different payments to doctors, hospital and payments for medications, co-pays.
(My Insurance covered only part of this operation, everything else was what I had to pay, $3000)
(My medical Insurance deducts money from my pay check automatically).
(In this case, what is my premium?)
Since I am the owner of this medical Insurance, only I can claim this? Or he have to claim about this?
He can still file taxes separately even that he lives with me and have medical Insurance with me? (His income was more, but he didn’t have Insurance from his job).
Do the support test worksheet in IRS publication 501 to determine if you can claim him as a dependent on your tax return or not.
If he is under 24 and a full time student, but supported himself, you cannot claim him. If you cannot claim him, you cannot claim his medical expenses. (There is no income test for this case.) And, if this is the case, you need to tell your employer as the cost of the family plan over the single plan (if you have no other children) is taxable to you. Since he did not pay them, he can’t deduct them either.
If he is not a full time student (5 months full time in school during the year) and you did support him, but his income is too high to claim him as a dependent, you can claim the medical expenses under a special rule. See IRS publication 502.
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