Maryland Earned Income Tax Credit #
EITC plays an important role in keeping working families — particularly single mothers — out of poverty. Along with the federal credit, the state of Maryland offers taxpayers its own version of the credit.
Maryland is the only state with both a non-refundable and refundable credit. The non-refundable credit is equal to the lesser of 50% of your federal credit.
If the non-refundable credit amount is equal to or greater than your state tax liability, you’re entitled to claim an additional 28% refundable credit.
Maryland has temporarily raised the refundable state EITC to 45% for tax year beginning after December 31, 2019 but before January 1, 2023, at which point it shall revert back to 28%.
And for single people without dependents, who qualify for much smaller refunds under the EITC, Maryland's match has been expanded to 100% of the federal credit, up to $543.
What is the Montgomery County refundable EIC?
Montgomery County, a large suburban county neighboring the District of Columbia, is one of three counties to offer a local EITC, called Working Families Income Supplement, in addition to the state credit.
Eligible families that filed for the EITC receive a county credit equal to 100% of the state’s refundable credit. For example, if the State refunds $100, the County will add an additional $100.
Maryland Temporary Cash Assistance (TCA) #
Temporary Cash Assistance (TCA) is a time-limited cash assistance program that assists families with dependent children who could not afford even basic necessities. The goal is to prepare them for independence through work.
Maryland’s TCA pays up to a maximum of $727 per month for eligible families of three — up to the lifetime limit of 60 months. Participants are required, by law, to work or actively looking for work.
How do I apply for TANF in Maryland?
Apply in person at your local DSS office or you may also file an application online at myDHR — a web-based screening and application tool for all Marylanders to apply for benefits.
Families who need only short-term assistance may apply for a Welfare Avoidance Grant (WAG) where eligible families receive a one-time lump sum payment instead of monthly TCA benefits.
Maryland Food Supplement Program #
Food Supplement Program (FSP) helps low-income households in Maryland buy the food they need for healthy eating. Eligibility is determined by certain factors, mainly your income and household size.
As a condition of eligibility, you must register for work, accept an offer of suitable work, and take part in an employment and training program, unless otherwise exempted.
How do I apply for food stamps in MD?
File an application with your local Department of Social Services or go to myDHR to apply online. If you qualify for FSP, you’ll receive your benefits no later than 30 days.
Maryland Medicaid #
Under the ACA, Medicaid eligibility is expanding throughout the state to cover all Marylanders adults age 19-64 with income up to 138% of the federal poverty level, or about $30,300 annually for a single mother of two.
Maryland Health Connection is the state’s health insurance marketplace for all Marylanders to enroll in Medicaid, MCHP and other health coverage.
If you don’t qualify for Medicaid, you can always shop for reduced-cost coverage through the Marketplace where you can compare different plans before you make a choice.
Maryland Health Connection
Maryland Children’s Health Program (MCHP) #
Maryland Children’s Health Program (MCHP) gives full health benefits for uninsured children up to age 19 who meet the income guidelines.
MCHP covers children under age 19 whose countable income is up to 211% of the federal poverty. Uninsured children younger than 19 whose family income exceeds the MCHP guidelines qualify for MCHP Premium.
MCHP Premium requires a small monthly premium per family. The premium is either $57 or $71, depending on your household income.
You can apply for MCHP through Maryland Health Connection. If you or your child is found eligible for MCHP, you can select a plan right away.
Maryland Child Care Scholarship (CCS) Program #
The purpose of the Child Care Scholarship (CCS) Program is to provide financial assistance with child care costs to eligible working families. Eligibility for the subsidy is based on income level and family size.
All families applying for child care subsidy will be placed on a waiting list. According to the latest available data, nearly 3,700 children whose family income should qualify them for subsidies were on the wait list.
How do I apply for child care assistance in Maryland?
Eligible families receive a voucher from the local department of social services to take to the provider of their choice. The subsidy is paid bi-weekly directly to the provider and the remaining cost is co-paid by the recipient.
Maryland Summer Food Service Program #
Administered by the Maryland State Dept. of Education (MDSE), the Summer Food Service Program (SFSP) is a program that helps children receive free, nutritious meal throughout the summer months.
It is open to children under the age of 18 but those who participate in other benefit programs, such as the SNAP, Medicaid or TANF are automatically eligible.
To see if your child is eligible to participate in the program, call
Maryland Energy Assistance Program (MEAP) #
Maryland Energy Assistance Program (MEAP) helps pay home heating costs for low-income households, particularly those from the lower income bracket that pay a high proportion of their income for home energy.
In Maryland, households who qualify for MEAP can also sign up for the Utility Service Protection Program (USPP), which can help protect you from utility cut-offs.
How do I apply for energy assistance in Maryland?
To apply for MEAP, contact the Local Home Energy Programs Office in your area or call 1-800-352-1446. Applications are accepted at any time during the year.
Maryland Renters' Tax Credit Program #
Modeled after the Homeowners' Tax Credit Program, which is known to many as the Circuit Breaker Program, the Renters' Tax Credit Program provides property tax credits for renters who meet certain requirements.
The program provides financial assistance of up to $1,000 per year for low-income renters to help account for the sky-rocketing cost of rent in Maryland.
To request an application or to schedule a phone appointment, call
SOAR Financial Counselor
Maryland Unemployment Insurance #
Unemployment insurance provides benefits to persons who are unemployed through no fault of their own and who are ready, willing and able to work, and actively seeking work.
The current weekly benefit amount provided by the Maryland Unemployment Insurance Law ranges from a minimum of $50 to a maximum of $430 per week.
How do I apply for unemployment in MD?
If you are unemployed, file your claim as soon as possible, as your eligibility begins the week in which you file your claim. Claims may be filed by telephone or you may choose to file your claim online.
Howard P. Rawlings Guaranteed Access (GA) Grant #
Funded by the state of Maryland, the Rawlings Guaranteed Access Grant offers eligible Maryland students financial aid that may cover up to $19,400 of full-time college tuition at any public or private college or university in Maryland.
To be considered for a Guaranteed Access Grant, you must complete and file the Free Application for Federal Student Aid (FAFSA) no later than April 1 or by March 1 for priority consideration.
Howard P. Rawlings Educational Assistance (EA) Grant #
Like the GA Grant, this is a need-based award but less generous than the GA — the minimum annual award amount is $400 and the maximum award is $3,000. As fund is limited, those with the lowest EFC are awarded first.
The actual amount is determined by a set formula reflecting the cost of college attendance, expected family contribution, state scholarships awarded and Pell Grant funding received.