Since Medi-Cal eligibility (for MAGI categories) relies on the federal AGI calculation, the ROC distributions do not increase the family's Modified Adjusted Gross Income (MAGI) in the year the cash is received. This is a significant temporary advantage because it allows a family to receive high cash distributions without crossing the annual income limit for programs like Medi-Cal (which is approximately $28,208 for a family of two)ResearchReference Episodes : STRC for Bogleheads STRC after Q3 call : 80 % Drawdown scenario and ROC concept.