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i am a us citizen and i have never applied for this benefit i have heard that this is money the gov takes out of our paychecks and if you dont use at the end of the year you loose it i am pettioning my my mother from abroad but i dont know if tis will affect me does anyone know also if i have health insurance does that affect me also and probably loose it which i dont paya dime for my insurance so i dont know how this will affect me
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