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• savings accounts, including Christmas Club; • savings certificates; • trust funds; • individual retirement accounts; • Keogh plans; • credit union accounts; • prepaid funeral agreements; • stocks; • bonds; • cryptocurrency (such as Bitcoin, Litecoin, etc.) • nursing home accounts. 2605.10.00 OWNERSHIP OF RESOURCES

The owner of a resource is any individual who has the ability to liquidate or dispose of the resource. A resource can be solely or jointly owned. 2605.10.05 JOINT OWNERSHIP OF RESOURCES

Joint ownership of resources, consisting of real or personal property, exists when the right to liquidate or dispose of the property is shared by more than one individual. When the resource is jointly owned by a married couple, one half (1/2) of the resource is to be attributed to each spouse; otherwise, the percentage of ownership is to be assigned as described below.

When any type of account held in a financial institution is jointly owned, the caseworker is to presume that all of the funds belong to each owner. The individuals are to be advised of this presumption and given the opportunity to rebut it. If an applicant/recipient rebuts, then the applicant/recipient is responsible for providing proof of ownership of the funds, which includes a record of deposits and withdrawals from the account.

Following a successful rebuttal, the funds must be separated and placed in separate accounts. Only the funds belonging to the applicant/recipient will then be counted as a resource to the applicant/recipient. This procedure applies whether the joint owners are all applying for or receiving assistance. If the funds are not separated, the balance is counted in its entirety by each joint owner.

In addition to bank accounts, other real and personal property may be jointly owned. If an applicant/recipient owns real property or non-liquid personal property with another applicant/recipient of any assistance program the real property screen is to be completed for each owner. Then proportionate shares of the property are to be assigned to the joint owners in the eligibility system.

The percentage amount of the share owned by each individual is counted as a resource. Refer to Section 2605.10.10 regarding the availability determination for jointly owned vehicles.