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COMAR 10.09.24.04

336 State of Maryland Medical Assistance Manual Revised July 2012

accounts) must be verified for the past 3 months. For non-liquid assets, the current, accessible valued must verified. The CM “Verification/Documentation” in the Appendix of the Manual for examples of acceptable resource verifications.

The CM should require the A/R to provide resource verifications for selected months in the look-back period before the month of application if the A/R reports a disposal or if the CM has reason to suspect a disposal, and the disposal would result in a current penalty period. The CM decides how many months and aw what intervals to check for disposal of resource in the past 36 months (60 months for a trust). The CM should require no more moths of verifications than necessary to determine eligibility. To verify bank accounts or other investment accounts that closed during the look-back period, it may be sufficient to obtain only the final statement from the financial institution.

Effective Immediately: Individuals applying for MA-LTC no longer request 60 months of bank statements and financial statements for themselves and their community spouse in order to evaluate the look back period.

When it can be verified that the LTC applicant was a recipient of a needs-based public benefit at any time during the 5 year period before the month of application, verification of the value or resources during the look-back period is not required. Resources still need to be verified as of the month of application. However, when a disposal of resources is reported by the A/R or suspected by the LDSS, all pertinent verifications must be provided by the A/R Needs-based public benefits include but are not limited to:

Supplemental Security Income (SSI) Cash public assistance (TCA, TEMHA, PAA) Community Medical Assistance Qualified Medicare Beneficiary (QMB) Specified Low-Income Medicare Beneficiary (SLMB) I or II Maryland Pharmacy Assistance Program (MPAP) Food Stamps Energy Assistance Section 8 or other subsidized housing from the U.S. Department of Housing and urban Development(HUD)

(d) Life Insurance

When the applicant has life insurance with a crash value, a statement must be obtained from the insurance company on company letterhead paper that verifies all necessary information-current cash surrender value, policy number, policy owner. For the applicant’s initial eligibility determination, however, The CM may use the current cash value from an amortization table in the life insurance policy, if the policy has a table reflecting the estimated current value. Then, verification of the actual cash value by the insurance company is required no later than the fist redetermination of eligibility.

If mail to the insurance company is undeliverable and there is no way to contact the company, the Maryland Insurance commission should be contacted to help located the company or its successor. If