The Benefit Bank® online service  (TBB) is unique in both the breadth of its coverage and its function as a benefits eligibility screener, a benefits application filer and an IRS-certified tax assistance and filing service.

At the heart of TBB is an expert rules engine that incorporates actual federal, state, and private program eligibility requirements. This ensures a complete eligibility assessment for both individuals and households for multiple programs.

TBB combines a community outreach model with expert systems technology driven by in-depth public policy research and analysis. It is a free at point-of-service that operates through state and regional affiliates, nonprofit organizations managing grassroots outreach efforts in their states to connect eligible households with work supports.

Estimated dollar value of benefits and tax refunds received since 2006: 

$2.11 Billion

Active Sites: 1,824
Active Counselors: 4,598

TBB Base

The standard base includes an eligibility assessment and application submission for a variety of benefits and taxes, including Medicaid, Children’s Health Insurance Program (CHIP), Senior Prescription, Medicare Low-Income Subsidies, Supplemental Nutrition Assistance Program (SNAP), School Nutrition, Temporary Assistance for Needy Families (TANF), Low Income Home Energy Assistance Program (LIHEAP), Child Care Subsidies, Earned Income Tax Credit (EITC) and Child Tax Credit.

SfP has drawn upon its research and policy expertise to identify sectors where there is an intersection between the unmet needs of a target population and identifiable sources of financial support. In each of these sectors, SfP can show that investing in our programs is good for business, returning dollars, reducing costs for providers, insurers, or agencies, and providing positive economic impact in communities.

Education

For postsecondary education institutions, particularly community colleges, increasing student retention and graduation rates translate directly into increased income – both from tuition fees and, in most states, increased public funding linked to student performance. TBB’s comprehensive offering of services – college access funding (Free Application for Federal Student Aid (FAFSA), veterans’ education and training benefits), family income supports (SNAP, Medicaid, CHIP, Child Care Subsidy), and refundable tax credits (EITC), delivers a unique package of affordable tools to assist colleges in meeting their retention and graduation goals. 

Health Access

The introduction of the Affordable Care Act has focused attention on the need for healthcare system-based assistance to those currently uninsured. TBB provides an enhanced QuickCheck service that rapidly guides staff and volunteers at clinics, community health centers and outpatient centers toward the most appropriate option for each member of a household – Medicaid, CHIP or subsidized private insurance. For those eligible for Medicaid and CHIP, TBB then completes and files the relevant applications. Hospitals and third-party medical insurance services have started to implement TBB’s approach under contract to local TBB Affiliates. 

Bedside registration of uninsured patients is a high-value service to hospitals for which they pay a significant “success fee.”  SfP provides private-label TBB-derived technology to companies that have successfully built a business serving hospitals and are now looking for partners to take their successful approaches to other geographies across the country. 

Re-Entry/Corrections

Individuals living with serious and persistent mental illness comprise close to 20% of inmates in state prisons and county jails, minimally 60% of whom are caught in the homeless-jail-homeless-jail cycle. Most of these individuals are eligible for benefits. In addition, a key factor in recidivism rates is the tenuous nature of financial stability for this population. MyBudgetCoach (MyBC) can assist in addressing this issue through ex-offenders working with coaches located at state or federal probation offices and a mix of faith- and community-based organizations. 

TBB’s unique combination of local outreach capabilities and expert technology services for Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI) can contain state costs by minimizing the number of offenders who re-offend, shift costs from state corrections departments to the Social Security Administration (SSA), SNAP, and Medicaid, and help to ensure the maximum number of individuals with mental disabilities receive appropriate community care and avoid incarceration or recidivism. 

Veterans

With the large number of veterans returning from Iraq and Afghanistan, federal, state, and local governments and philanthropic-sponsored veterans support organizations are looking for comprehensive services that can assist their re-integration into communities.

TBB Veterans Benefits Service assists veterans and their families by collecting client information needed to complete and file various veterans benefits forms using TBB’s standard question-and-answer interview format. 

TBB offers a “one-stop” expert online service that covers discharge papers and discharge status, education and training benefits, housing benefits, pension and compensation, and additional disabled veterans’ programs. This robust package not only helps veterans as clients of TBB, but also offers a single platform for counselors at county veterans service offices and organizations. For homeless veterans in particular, TBB’s Veterans Benefits Service can be enhanced with the addition of TBB’s SSI/SSDI suite to provide more comprehensive support for returning service members.