B13. Senior Tax Relief
Bonus 13 Senior Tax Relief Measures
Northampton encourages two senior tax relief measures
1. Personal Property Tax Exemption for Seniors
2. Senior Property Tax Work Off program
Both programs are described in the attached files.
Personal Property Tax
Exemption Programs
for Seniors
Susan Wright, Finance Director
February 12, 2020
What is a
Personal
Property Tax
Exemption?
This presentation will cover personal property tax
exemptions that can result in a reduction in property
taxes due to a particular personal circumstance and
qualifications set forth in the Massachusetts General
Laws.
Personal exemptions require:
The taxpayer must show he or she meets the terms
of the exemption.
Exemptions are granted for one fiscal year only and
the taxpayer must file an application with the
Assessor every year.
Application
Guidelines for
Personal
Exemptions:
Qualification Date: July 1st –Taxpayers must meet all
qualifications for personal exemption or deferrals as of July 1st of
the fiscal year for which the exemption is being sought.
City Fiscal Years are: July 1st –June 30
All personal exemption and deferral applications are:
Due on April 1st
Must be filed annually
Not open to public inspection
The Assessors must keep a record book listing the exemptions and
deferrals that have been granted and this is a public record. This
includes the property owners name and the amount of the
exemption. However, all supporting financial information and
documents for the application are confidential and not available to
the public.
Requirements
for Personal
Exemptions:
Ownership –Applicant must own the property
For some exemptions and deferrals, the applicant
must also have owned the property or other
property in Massachusetts for a number of years.
Domicile –Applicant must live in the property
For some exemptions and deferrals, the applicant
must also have lived in the property or other
property in Massachusetts for a number of years.
Status –Applicant must be a certain age, a veteran, a
blind person, a surviving spouse or meet other personal
circumstances
Proof –Applicant must document eligibility
Ownership
Examples:
Ownership
Examples:
Domicile
Requirements:
Proof
Requirements:
Local Property Tax
Exemptions
There are personal property tax exemptions. Since only one of these exemptions
is allowed per year, you may choose the one that provides the maximum benefit
for you:
Clause 41C : Seniors
Clause 17D: Seniors or Surviving Spouse
Clause 42 & 43: Surviving Spouses or Minor Children of
Firefighters or Police Officers killed in the
line of duty
Clause 22A: Veterans
Clause 37A: Blind Persons
Clause 41C
Filing Deadline
April 1st
EXEMPTION AMOUNT
For Fiscal Year 2020
July 1, 2019 –June 30, 2020
$650 $1,000
EXEMPTION AMOUNT
For Fiscal Year 2021July 1, 2020 –June 30, 2021
Clause 41C
Filing Deadline
April 1st
AGE REQUIREMENT
For Fiscal Year 2020
July 1, 2019 –June 30, 2020
You must be 70 years of
age or older on July 1,
2019
You must be 65 years of
age or older on July 1,
2020
AGE REQUIREMENT
For Fiscal Year 2021July 1, 2020 –June 30, 2021
Clause 41C
Filing Deadline
April 1st
Note: If your home is held in trust,
you must provide a copy of both the
trust schedule of beneficiaries
showing that you are a trustee and
have a beneficial interest. Both the
trust and schedule of beneficiaries
must be recorded at the Registry of
Deeds.
If you are a joint owner with a non-
spouse or your home is a multi-unit
dwelling, contact the Assessor’s
Office for more information.
OWNERSHIP REQUIREMENT
For Fiscal Year 2020
July 1, 2019 –June 30, 2020
Massachusetts must have been your state of primary residence for the past ten years as of July 1, 2019.
You must have owned and occupied your current home for the past five years as of July 1, 2019.
Massachusetts must have been your state of primary residence for the past ten years as of July 1, 2020.
You must have owned and occupied your current home for the past five years as of July 1, 2020.
OWNERSHIP REQUIREMENT
For Fiscal Year 2021
July 1, 2020 –June 30, 2021
Clause 41C
Filing Deadline
April 1st
Note: Income limits include the
allowable portion of other income
from Social Security, Railroad
retirement, or federal,
Massachusetts or local government
employee pensions or retirement
plans.
For Fiscal Year 2020:
single $4,758
married $7,137
INCOME THRESHOLDS
For Fiscal Year 2020July 1, 2019 –June 30, 2020
Calendar 2019 income is
used to calculate your
eligibility
Single: $18,000 + $4,758
for SS = $22,758
Married: $20,000 +
$7,137 for SS = $27,137
Calendar 2020 income is used to calculate your eligibility
Single: $20,000 + $4,758 for SS = $24,758
Married: $30,000 + $7,137 for SS = $37,137
These income amounts will be slightly higher for FY2021 after the state determines the allowable pension or SSI amount for FY2021.
INCOME THRESHOLDS
For Fiscal Year 2021
July 1, 2020 –June 30, 2021
Clause 41C
Filing Deadline
April 1st
Note: Whole Estate includes
total of all savings accounts,
checking accounts, certificates of
deposit, IRA accounts, stocks
and bonds.
Note: Your primary residence,
personal effects, motor vehicles
and cemetery plots are not
counted or included.
ASSET LIMITS
For Fiscal Year 2020
July 1, 2019 –June 30, 2020
Single: $28,000
Married: $30,000
Single: $40,000
Married: $55,000
ASSET LIMITS
For Fiscal Year 2021
July 1, 2020 –June 30, 2021
Clause 17D
Filing Deadline
April 1st
Age requirement –You must be 70 years or older on or before July 1st of the Fiscal Year in which you are seeking the exemption. For FY2020 –July 1, 2019, for FY2021 –July 1, 2021.
You may also qualify if you are a surviving spouse who has not remarried or you are a minor child with one parent deceased.
For seniors, your home must have been owned and occupied as your primary residence for the past five years. There is no waiting period for an applicant who is a surviving spouse or minor child with a parent deceased.
There is no income limit.
Value of your whole estate, but not including your primary residence, must not exceed $40,000.
If your income is too
high for the 41C
exemption but you
have low assets, you
may qualify for a
$175 reduction in
your property tax.
Clause 17D
Filing Deadline
April 1st
Clauses 42
& 43
Filing
Deadline
April 1st
Clauses 22
& 22 A -F
Veterans
All exemptions are based on
veteran’s status as of the
first day of the fiscal year for
which the exemption is
being sought.
A wide range of exemptions are available to veterans of the armed forces who have suffered a service connected disability of not less than 10% or a veteran who received a U.S. Military decoration award.
While these are not specifically for seniors, they are presented briefly here to acquaint seniors, who may also be veterans, with options since property owners may only qualify for one of the exemptions and should use the most beneficial exemption.
Veterans:
Clause 22
$400
Veterans with a service connected disability of 10% or more.
Veterans of certain pre-World War I conflicts.
Veterans awarded the decoration Purple Heart with no disability
Spouses (when property is owned by the spouse, not veteran) and
surviving spouses of Clause 22 a-c veterans who remain unmarried
or a soldier/sailor who died serving in certain 22(b) pre-World War I
conflicts.
Gold Star Parents of soldiers or sailors who lost their lives in
service. Natural, adopting and parents who stood in loco parentis
for one year prior to the time that the deceased entered service
qualify. To establish status as in loco parentis, affidavits are
required.
Surviving spouses of World War I veterans whose whole estate,
less mortgage balance on the property does not exceed $20,000.
Veterans:
Clause 22A
$750
Veterans and their spouses by reason of injury received or disease
contracted in such service or in the line of duty, lost or have
suffered permanent loss of use of one foot, or one hand, or loss of
sight of one eye.
Prisoner of War (POW)
Veteran recipients of the Congressional Medal of Honor, The
Distinguished Service Cross, the Air Force Cross, or the Navy
Cross.
Benefit continues for surviving spouses who remain an owner and
occupant.
Veterans:
Clause 22B
$1,250
Clause 22C
$1,500
Clause 22B:
Veterans and their spouses who suffered in the line of duty the
loss or permanent loss of use of both feet, both hands or both
eyes.
Benefit continues for surviving spouses who remain an owner
occupant.
Clause 22C:
Veterans and their spouses who suffered total disability in the line
of duty and who have received assistance in acquiring “specially
adapted housing” which they own and occupy as their domicile.
Benefit continues for surviving spouses who remain an owner
occupant.
Veterans:
Clause 22D
100%
Clause 22E
$1,000
Clause 22F
100%
Clause 22D:
Surviving spouses (who remain unmarried) of soldiers, sailors, guardsmen and veterans who during active duty, regardless of when, had suffered an injury or illness which was a proximate cause of death or became missing in action with a presumptive finding of death. Remarriage ends this exemption.
Clause 22E:
Veterans who as a result of disability contract in such service and in the line of duty have a rating of 100% combined service evaluation, or considered totally and permanently disabled. Annual certificate from the VA required.
Benefit continues for surviving spouses who remain an owner and occupant. Spouse not required to obtain VA certificate annually. Remarriage does not end this exemption.
Clause 22F:
Paraplegic veterans by reason of injury received in such service and in the line of duty or have disability rating of 100% for service-connected blindness.
Benefit continues for surviving spouses who remain an owner and occupant. Remarriage does not end this exemption.
Clauses 22
& 22 A -F
Veterans .
Blind
Persons:
Clause 37A
$500
You must be legally blind and obtain a Registered Certificate from
the Massachusetts Commission for the Blind or a letter from your
doctor indicating blind status of the first day of the fiscal year for
which you are seeking the exemption and you must submit that
certificate every year.
You must own and occupy a property in Northampton as your
primary residence.
These are the personal property tax exemptions. Since only one
of these exemptions is allowed per year, you may choose the one
that provides the maximum benefit for you:
Clause 41C : Seniors
Clause 17D: Seniors or Surviving Spouse
Clause 42 & 42: Surviving Spouses or Minor Children of
Firefighters or Police Officers killed in the
line of duty
Clause 22A: Veterans
Clause 37A: Blind Persons
REVIEW:
Local
Property Tax
Exemptions
Personal
Exemptions:
Multiple
Owner
Exemptions
Personal
Exemptions:
Multiple
Owner
Exemptions
Other Property Tax
Relief Programs
Administered by the
Assessors
Property Tax Deferrals and the Community
Preservation Fund 3% Surcharge
Senior
Property
Tax
Deferral:
Clause 41A
Let the equity in your
house pay your property
tax
AGE REQUIREMENT
You or your spouse
must be 65 or older
on July 1st of the
fiscal year for which
the deferral is being
sought.
BENEFIT
Payment of any or all of your property tax can be postponed until the home is sold, conveyed, transferred to a trust, you or your surviving spouse die, or until you choose to pay off the deferral.
You can never be forced to move or sell your home under this program.
Use any single property tax exemptions for which you qualify first and then defer all or part of the rest of your property tax.
The fixed interest rates for FY2020 deferrals is 5% simple interest.
Senior
Property
Tax
Deferral:
Clause 41A
Let the value of your
house pay your property
tax
INCOME AND ASSET LIMITS
Currently up to $20,000 gross income, married or single is based on the prior Calendar Year income.
Legislation filed by the Mayor and under consideration by City Council proposes raising that gross income limit to $53,200.
No asset restrictions.
OWNERSHIP AND RESIDENCY
Massachusetts must have been your state of primary residence for the past ten years as of July 1st of the fiscal year for which the deferral is being sought.
You must have owned and occupied your current home for the past five years as of July 1st of the fiscal year for which the deferral is being sought.
Every other person with any legal or beneficial interest in the property must give written approval for the deferral (such as co-owners, banks that hold a mortgage, home equity loan, second mortgage, etc.) via a Tax Deferral and Recovery Agreement.
Senior
Property
Tax
Deferral:
Clause 41A
Let the value of your
house pay your property
tax
FILING DEADLINE
The filing deadline is
April 1st of the fiscal
year for which the
deferral is being
sought.
OTHER LIMITS
Property taxes can be deferred to a
maximum cumulative total of 50% of
the value of your home –many decades
of potential deferral.
Upon the death of you and your
surviving spouse, or upon the transfer or
sale of the home’s ownership, the
annual interest rate on the amounts
owed will increase to 16% until repaid.
Senior
Property
Tax
Deferral:
Clause 41A
Let the value of your
house pay your property
tax
The deferral application process includes the following:
A written agreement with the Assessors
Prior written approval by joint owners and
mortgagees
Recording notice of agreement at the Registry of
Deeds to secure the lien on the property for
deferred taxes
Repayment of deferred taxes, plus 5% interest is
required when the property is sold or the taxpayer
dies.
LOCAL
OPTION
EXEMPTION:
The first $100,000 of taxable value of residential real estate is already automatically exempted from the calculation prior to bills being issued. This is the residential exemption.
An applicant that meets certain income limits, who owns and occupies the property as of January 1st, may qualify for the Low Income or the Low or Moderate Income Senior Exemption.
To qualify as a senior, you must be 60 or older as of January 1st for the fiscal year in which the exemption is being sought.
There is no asset limit.
Owners must meet a household annual income standard for the low income or the moderate income senior exemptions to be granted.
A qualified taxpayer receives an exemption of the entire CPA surcharge attributable to the real estate tax assessed, regardless of the ownership share or number of residential dwelling units.
Application Deadline is April 1st. Taxpayers must file annually for this exemption.
Community
Preservation
Fund 3%
Surcharge
LOCAL
OPTION
EXEMPTION:
Community
Preservation
Fund 3%
Surcharge
Household income includes the income of all owners and all members of the household 18 years or older who are not full-time students, less deductions for dependents other than a spouse and certain medical expenses.
Income must be at or below the allowable income limit for the household type. The income limits are based on the Department of Housing and Urban Development’s area-wide median income and low income limits.
Income is based on the prior year calendar income. Example: Calendar 2018 income is used for calculating the FY2020 exemption.
Income limits are updated each year.
LOCAL
OPTION
EXEMPTION:
Upon application and determination of
eligibility for the Community
Preservation Fund 3% Surcharge
exemption this automatically triggers a
review of applications submitted by
seniors for a Clause 41C exemption. In
those cases where no further information
is needed to establish eligibility for the
exemption, the Assessors may grant a
Clause 41C exemption without requiring
a separate application.
Community
Preservation
Fund 3%
Surcharge
LOCAL
OPTION
EXEMPTION:
Eligibility for the Community
Preservation Fund 3% Surcharge
exemption also automatically
provides the following reductions (no
application required):
Your storm water bill for the property is reduced automatically by 50%.
Your water meter fee for the property is eliminated automatically for water customers.
Community
Preservation
Fund 3%
Surcharge
Other Property Tax
Relief Programs
Administered by Other
City Departments
Senior Work-Off and Veterans Work-
Off Programs
Senior Tax
Work-Off
Program:
Administered
by the Senior
Services
Department
INCOME
GUIDELINES
Income guidelines
are based on the
State Median Income
Guidelines.
Tax returns for
calendar year 2018
will be used to
determine eligibility
for participation in
calendar year 2020.
INCOME ELIGIBILITY
Senior Work-Off Program Eligibility for
Calendar Year 2020
HOUSEHOLD
SIZE MAXIMUM INCOME
1 $53,200
2 $60,800
3 $68,400
4 $76,000
5 $82,080
6 $88,160
Senior Tax
Work-Off
Program:
Administered
by the Senior
Services
Department
HOW IT WORKS:
Seniors work for various city departments and
receive an abatement on their tax bill at the
end of the service period.
Seniors receive an hourly rate equivalent to the
state minimum wage ($12.75/hr for 2020) (MGL
S.59, s. 5K).
Maximum number of hours for calendar year
2020 is 117 hours.
Maximum abatement is $1,500 per fiscal year –
only one tax credit per household is allowed
each year.
Senior Tax
Work-Off
Program:
Administered
by the Senior
Services
Department
HOW IT WORKS:
Money earned through the Work-Off Program,
is reportable income for federal taxes only.
Participants will receive a W-2 for the amount
of money earned through the program.
Seniors must be 60 years of age or older as of
January 1st for the calendar year program.
All hours of work must be completed by the
participant. No other person can work on the
senior’s behalf to fulfill the hours.
Seniors must own and occupy the property as
their principal residence.
Senior Tax
Work-Off
Program:
Administered
by the Senior
Services
Department
HOW IT WORKS:
Seniors must posses and identify employable
skills.
A complete application and income verification
is required annually.
Seniors may be required to undergo a CORI
check or provide references for certain
assignments.
Seniors must be interviewed for job placement
by the Northampton Senior Services staff and
may be required to be interviewed by the
Department Head of the department in which
they may be assigned.
Senior Tax
Work-Off
Program:
Administered
by the Senior
Services
Department
HOW IT WORKS:
Individuals will be chosen based on the best
match between the applicant’s qualifications
and the skill requirements of each job.
There is a two week probationary period to
assess the appropriateness of the placement.
Program participants may not work for
relatives who are City employees.
Participants may re-apply each year. However,
a lottery system may be used if there are more
applicants than available positions.
Senior Tax
Work-Off
Program:
Administered
by the Senior
Services
Department
APPLICATION TIMELINES:
Applications are made available in early
December.
Applications and supporting financial
information for the coming calendar year are
due by mid-December.
Program participants are notified in early
January regarding interviews and assignments.
The number of hours the participant works
determines the amount of the abatement for
which their property tax bill will be credited.
Credits are applied on the third and fourth
quarter tax bills immediately following the
close of the calendar year.
Veterans Tax
Work-Off
Program:
Administered by
the Veterans
Department
The Veterans Tax Work-Off Program works
essentially the same as the Senior Tax Work-Off
Program except for the following:
There are no income limits
There are no age limits
Applications are submitted to the Veterans
Office and interviews and placements are
conducted by Veterans Department staff.
MASSACHUSETSS
SENIOR CIRCUIT
BREAKER TAX CREDIT
Administered by the Commonwealth
of Massachusetts
State
Senior
Circuit
Breaker Tax
Credit:
Administered by the
Commonwealth
AGE AND INCOME LIMITS
Must be 65 years of age at
the close of the tax year.
Income:
$60,000 for single
individual
$75,000 for head of
household
$90,000 if married and
filing jointly
Income guidelines are revised
each year.
BENEFIT – MAXIMUM
$1,300 PER YEAR
Homeowners –One dollar for
every dollar that your
property tax plus half of your
water and sewer bill exceeds
10% of your income.
Renters –One dollar for every
dollar that 25% of your rent
exceeds 10% of your income.
Rent must be unsubsidized
and landlord must be a tax-
paying entity.
State
Senior
Circuit
Breaker Tax
Credit:
Administered by the
Commonwealth
HOUSE VALUE/ASSETS
Assessed value of house
must be $808,000 or less.
No other asset limits.
OWNERSHIP AND
RESIDENCY
Special provisions are made
for certain assisted living
arrangements and for certain
types of trust ownership.
Your Massachusetts house or
apartment must be your
primary residence.
State
Senior
Circuit
Breaker Tax
Credit:
Administered by the
Commonwealth
APPLICATION
Homeowners or renters who are eligible for this tax credit
should claim the credit when they file their state income tax
return.
If you are eligible but do not normally file a state income tax
return, you may obtain the benefit by filing a return and
claiming the exemption.
Past returns may be amended up to 3 years.
We are
available to
help you
navigate the
various
programs
either online
or in person
For applications and deadlines for the following exemptions, please contact the Assessor’s Office at 413-587-1023 or visit their office on the first floor of City Hall. Online information is available at: https://www.northamptonma.gov/1343/Personal-Statutory-Exemptions
Clause 41C for Seniors
Clause 17D for Seniors, Widow or Widower, Minor Children
Clauses 22A-F for Veterans
Clause 37A for Blind Persons
Clause 41A Senior Tax Deferral
Community Preservation Fund Surcharge
For applications and deadlines for the Senior Tax Work-Off Program, please contact Senior Services Department staff at 413-587-1232. Online information is available at: https://www.northamptonma.gov/2066/Senior-Tax -Work -Off-Program
For applications and deadlines for the Veterans Tax Work-Off Program, please contact Veterans Services Department staff at 413-587-1082. Online information is available at: https://www.northamptonma.gov/1455/Veteran-Property-Tax -Work -Off-Program
/
SENIOR TAX WORK OFF PROGRAM
Overview
The Senior Citizen Tax Work Off Program is open to senior citizens (60 years of age and older) who own property in
and pay real estate taxes to the City of Northampton. The program participant’s name must appear on the property
deed. Participants must complete 117 hours of service in the program year, which runs from January 1 to October 31. A
$1,500 property tax credit minus the required withholdings will be applied to the participant’s real estate tax bill in the
following fiscal year, not current year’s property tax bill. Applications are available in November of each year.
Program Requirements
Participants should work the required 117* hours of service to receive the total. Hours worked may not be shared with
another family member. Each individual should fulfill the total hours of service obligation. However, the City of
Northampton, based on need, may place the participant in more than one (1) job in order to fulfill the total hours.
*To receive the maximum $1,500 tax credit participants must work 117 hours. Working less than 117 hours
results in a pro-rated tax credit based on the number of hours worked.
City of Northampton Eligibility Criteria
Income Guidelines
Household Size and TOTAL GROSS Annual Income
Household Size Maximum Income
1 $53,200
2 $60,800
3 $68,400
4 $76,000
5 $82,080
6 $88,160
*To receive the maximum $1,500 tax credit, participants MUST work 117 hours. Working less than 117 hours results in
a pro-rated tax credit based on the number of hours.
/
(Income guidelines FY19 State Median Income Guidelines)
Compensation
$12.75 per hour (MGL Ch.59 Section 5K)
Participants will receive abatement for up to 117* hours of service. Any hours worked beyond the 117 hours cannot
be accumulated for the Tax Work Off Program.
Maximum amount of abatement is $1,500 per person per fiscal year.
Money earned through the Tax Work Off Program is reportable income for federal taxes only. Participants will
receive a W-2 form for the amount of money earned through the program.
Taxpayer must:
Be sixty (60) years of age or older as of January 1, 2020
Only one (1) tax credit per family per calendar year is allowed
All hours of work must be completed by the participant. No other person can work on the senior’s behalf to fulfill
hours
Own and occupy the property as his/her principal residence
Possess and identify employable skills
Complete the application and provide necessary income verification
Provide annual income eligibility verification for continuing participation in the program
Complete a CORI check and/or provide references if required by the work site
Be interviewed for job placement by Northampton Senior Services Director or designee
Any person found guilty of having committed a criminal act involving the City or any of its officers or employees
shall be ineligible to participate in the program.
Job Placement for a Tax Credit Position
Individuals will be chosen based on the best match between the applicants qualifications and the skill requirements
of each job
Applicants will be interviewed by the department supervisor of the position for which they have been placed.
Participants must work on site.
There will be a two (2) week probationary period to assess the appropriateness of the placement
Program participants may not work for relatives who are City employees
Individuals previously chosen for the program may make re-application in subsequent years. No applicant is
guaranteed a position. A lottery system may be used if there are more applicants than available positions
Time sheets will be filled out by the department supervisor each day that is worked. A final accounting of time
worked will be submitted to the Senior Services Director or designee by the supervisor. Once verified, the Senior
Services Director will submit to the Assessor for the abatement based on the number of hours worked.
The policy of the City of Northampton is to achieve equal opportunity in employment and selection by the employment
of individuals who meet the physical and mental requirements of the job to which they have been assigned, with
reasonable accommodation, and who have the education, training and experience, established and necessary for the
performance of the job, without regard to race, creed, color, sex, age, national origin, disability, veterans status, sexual
orientation, or other factors unrelated to the ability to perform the requirements of the job.
Deadline Dates:
Application is made available to participants December 2, 2019.
/
Application and supporting financial information for January 1, 2020 – October 31, 2020 Program year deadline by:
December 13, 2019
Participants qualifying for the Program will be notified by: January 10, 2020
Senior participants will be interviewed by the Senior Center Director or her designee, in January 2020 for job
placement. Veteran’s will be interviewed by the Veteran’s Services Director or his designee.
Job site supervisor will interview participant as soon after placement as possible
Work may commence for participants after interviews have been completed and participant has been assigned.
Work schedule will be determined by work-site supervisor and participant.
If you are applying, the application and supporting financial eligibility documentation MUST be submitted for the
application to be complete and processed. Supporting financial records can be emailed to
mwestburg@northamptonma.gov or dropped off or sent via mail to Director, Seniors’ Center, 67 Conz St.,
Northampton, MA 01060.
Forms can be obtained at the Assessor’s Office at City Hall, 210 Main St., Northampton, MA 01060, and the
Northampton Senior Services and Senior Center, 67 Conz St., Northampton, MA 01060.
Download an Application (PDF)
Apply Online
Program Guidelines (PDF)
Tax Workoff Program Video
Mayor's Report video regarding Senior & Veteran Tax Workoff
Program
If you are interested in viewing the video of the Mayor's Report regarding the Senior & Veteran Tax Workoff Program
visit the YouTube website
Northampton Senior Citizen Tax Work Off Program
Policy Guidelines - 2020
The Senior Citizen Tax Work Off Program is open to senior citizens (60 years of age and older)
who own property in and pay real estate taxes to the City of Northampton. The program
participant’s name must appear on the property deed. Participants must complete 117* hours of
service in the program year, which runs from January 1, 2020 to October 31, 2020. A $1,500
property tax credit minus the required withholdings will be applied to the participant’s real estate
tax bill in the following fiscal year, not current year’s property tax bill. Applications are
available in November of each year.
Program Requirements
Participants must work the required 117* hours of service. Hours worked may not be shared with
another family member. Each individual should fulfill the total hours of service obligation.
However, the City of Northampton, based on need, may place the participant in more than one
(1) job in order to fulfill the total hours.
City of Northampton Eligibility Criteria
Income Guidelines
Income guidelines Massachusetts Median Income Level
Household Size and TOTAL GROSS Annual Income
Household Size Maximum
1 $53,200
2 $60,800
3 $68,400
4 $76,000
5 $82,080
6 $88,160
*To receive the maximum $1,500 tax credit, participant MUST work 117 hours. Working less
than 117 hours results in a pro-rated tax credit based on the number of hours.
Compensation
$12.75 per hour (Chapter 59 section 5K)
Participants will receive abatement for up to 117 hours of service. Any hours worked
beyond the 117 hours cannot be accumulated for the Tax Work Off Program.
Maximum amount of abatement is $1,500 per person per fiscal year.
Money earned through the Tax Work Off Program is reportable income for statutory
payroll taxes only. Participants will receive a W-2 form for the amount of money earned
through the program.
Taxpayer must:
Be sixty (60) years of age or older as of January 1, 2020.
Only one (1) tax credit per family per calendar year is allowed
All hours of work must be completed by the participant. No other person can work on the
senior’s behalf to fulfill hours
Own and occupy the property as his/her principal residence
Be current with property tax and water/sewer payments
Possess and identify employable skills
Complete the application and provide necessary income verifications
Provide annual income eligibility verification for continuing participation in the program
Complete a CORI check and/or provide references if required by the worksite
Be interviewed for job placement by Northampton Senior Services Director or designee
Job Placement for a Tax Credit Position
Individuals will be chosen based on the best match between the applicant’s qualifications
and the skill requirements of each job. There is no guarantee that a placement can be
matched with a participant based on worksite needs and skills of the participant.
Applicants will be interviewed by the department supervisor of the position for which
they have been placed
There will be a two (2) week probationary period to assess the appropriateness of the
placement
Program participants may not work for relatives who are City employees
Primary consideration will be given to first time applicants. Individuals previously
chosen for the program may make re-application in subsequent years. No applicant is
guaranteed a position. A lottery system may be used if there are more applicants than
available positions
Time sheets must be signed off by the department supervisor each day that is worked. A
final accounting of time worked will be submitted to the Senior Services Director or
designee by the supervisor. Once verified, the Senior Services Director will submit to the
Assessor for the abatement based on the number of hours worked.
Deadline Dates:
Application and Financial Information available to interested participants by November
1, 2019
Application and Financial Information for January 1, 2017 – October 31, 2017 Program
year deadline by: December 13, 2019
Participants qualifying for the Program will be notified by: January 10, 2020
Senior participants will be interviewed by the Northampton Senior Services Director or
designee in January for job placement. Veteran’s will be interviewed by the Veteran’s
Services Director or designee
Job site supervisor will interview participant as soon after placement as possible
Work may commence for participants after interviews have been completed and
participant has been assigned. Worksite schedule will be determined by worksite
supervisor and participant.