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COMAR 10.09.24.01-.16 1677 State of Maryland Medical Assistance Manual Revised July 2012
(ii) Household goods necessary for the maintenance, use, and occupancy of the home shall be excluded regardless of value. The equity value of nonessential items shall be added to other countable resources and measured against the applicable resource standard. (b) Personal Effects. (i) Personal effects include those items of personal property which are worn or carried by a person or have an intimate relation to him. (ii) Personal effects shall be excluded except as specified in §G(3)(b)(iii) of this regulation. (iii) The equity value of nonessential personal effects of considerable value such as furs, and jewelry which is not excluded in §G(3)(c) of this regulation, shall be added to other countable resources and measured against the applicable resource standard. (c) A wedding ring and an engagement ring shall be excluded from consideration as resources. (d) Prosthetic devices, dialysis machines, hospital beds, wheelchairs, and similar equipment required because of a person's physical condition shall be excluded from consideration as resources. (e) For an institutionalized person, household goods and personal effects remaining in the possession of the person at the long-term care facility shall be excluded from consideration as resources. (4) Livestock and farm produce that is used only for home consumption. (5) Automobiles. Any automobile owned by a member of the assistance unit shall be excluded regardless of its value or purpose. (6) Life Insurance with a Maximum Face Value of $1,500 for Each Person. (a) Life insurance policies such as term or burial insurance which do not have a cash surrender value may not be used in determining the total face value of all policies. (b) Whenever the total face value of all policies on any person exceeds the allowable maximum face value, the entire cash surrender value of these policies shall be counted as a resource. Cash surrender value includes available accrued dividends and interest. (7) Cash and In-Kind Replacement Received for Casualty Losses of Excluded Resources. (a) Cash, including interest earned on the cash, or in-kind replacement received from any source for the purpose of replacing an excluded resource that is lost, damaged, or stolen, shall be an excluded resource for a period of 9 months, beginning with the date the cash or in-kind replacement was received.