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Basic Scenario 8: Teresa Martin

Interview Notes

• Teresa‘s husband, Adam died in March 2014. They have two sons, Zack and Mackenzie.

• Teresa paid more than half of Mackenzie’s support and all of the cost of keeping up the home.

• Her son, Zack, is permanently and totally disabled. He received disability income that provided more than half of his own support.

• Teresa lost her job in December 2014 and received unemployment income.

• She cashed in her 401(k) savings and used the money for household expenses. She does not qualify for any exception to the additional tax on early distributions.

• Her son, Mackenzie, attended summer day-care while Teresa worked.

• Teresa, Mackenzie, and Zack had health insurance through Teresa’s employer all year. Adam was covered until his death.

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