Benefit Adequacy Index (BAI)
BAI = Max UI Benefit ÷ Weekly Housing Cost
Below 1.0 = benefits cannot cover housing

■ BAI < 0.85 — Severe failure
■ BAI 0.85–0.95 — Significant failure
■ BAI 0.95–1.00 — Below threshold
■ BAI 1.00–1.10 — Marginal pass
■ BAI > 1.10 — Adequate

DC: 0.854  MD: 0.956  VA: 1.024