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The CSV must be verified at each redetermination. In cases where resources are close to the resource limits the eligibility worker should check resources frequently; at a minimum, on a monthly basis. It is recommended that, at the time of application, eligibility workers request that the insurance company verify future cash surrender values as well as the current CSV. 2615.25.10 CASUALTY INSURANCE (C)

The proceeds (including interest earned) of casualty insurance received as a result of damage, destruction, loss, or theft of exempt real or personal property are not to be counted as a resource if the applicant/recipient demonstrates that the proceeds are being used to repair or replace the property. (f7) 2615.30.00 HOUSEHOLD GOODS AND PERSONAL EFFECTS

Household goods and personal effects are exempt as resources. (f8) Household goods are items of personal property customarily found in the home and used in connection with the maintenance and occupancy of the home. They include (but are not limited to) furniture, appliances, kitchen utensils, linens, and television sets.

Personal effects are those items of personal property which are worn or carried by an individual. Some examples are clothing, jewelry, and hobby items. 2615.35.00 INCOME PRODUCING PERSONAL PROPERTY

Income producing personal property consists of items such as farm machinery, livestock, tools, equipment, a vehicle used in a business, business inventory, and furnishings and appliances included with a rental unit.

Such personal property may be solely or jointly owned. If an applicant/recipient jointly owns personal property with another applicant/recipient of any assistance group (AG), for any program, proportionate shares of the property are to be assigned to the joint owners and considered as a resource in accordance with the program requirements. (Refer to Section 2605.10.05)

When a non-recipient is one of the joint owners of real or personal property, the availability of the applicant/recipient's proportionate share must be determined. If the applicant/recipient's proportionate share is available, it is to be considered a resource as required by the specific assistance category, as discussed in the following sections. 2615.35.05 INCOME PRODUCING PERSONAL PROPERTY (S)

Work related equipment, such as the tools of a tradesman or the machinery of a farmer, which is essential to the employment or self-employment of an AG member, is exempt. (f9)

The equipment of a farmer remains exempt for one year after termination of the farm self- employment.