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34 TITLE 16 HEALTH AND SAFETY DELAWARE ADMINISTRATIVE CODE Also, attempt to determine whether amounts of regularly scheduled income have been transferred. Normally, such a transfer takes the form of a transfer of the right to receive income. For example, a private pension may be diverted to a trust, and no longer be paid to the individual. An exception to the transfer of assets penalty for diverted income is a transfer into a Miller trust. Explore the possibility of a transfer of income based on information given on the Medicaid application and through active questioning of the individual concerning sources of income, income levels in the past versus present, direct questions about giving income to others, etc. When an individual has transferred income, or the right to income, a penalty for that transfer must be imposed. If a single lump sum is transferred (for example, a stock dividend check is given to another person in the month in which it is received by the individual), the penalty period is calculated on the basis of the value of the lump sum payment. When a stream of income, or the right to a stream of income (such as a pension) is transferred, calculate the penalty period based on a determination of the total amount of income expected to be transferred during the individual's life based on an actuarial projection of the individual's life expectancy. Calculate the penalty period on the basis of the projected total income. To make this determination, use the life expectancy tables, compiled from information published by the Office of the Actuary of the Social Security Administration. See 20350.9 Life Expectancy Tables. Tables 20350.9 Life Expectancy Table - Females Age Life Expectancy 1 78.42 2 77.48 3 76.51 4 75.54 5 74.56 6 73.57 7 72.59 8 71.60 9 70.61 10 69.62 11 68.63 12 67.64 13 66.65 14 65.67 15 64.68 16 63.71 17 62.74 18 61.77 19 60.80