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pg. 32 status and are paying their own SMI premium. Client would be eligible. Income Exclusions Retroactive-Deficiency Payments Exclude IM Benefit Retroactive-Deficiency payments made under the IM programs when received in the month prior to the application month. If the household is denied for excess income or the applicant indicates the amount received in the month prior to the application month was higher than what is normally received, obtain documentation from the applicant, which verifies a Retroactive- Deficiency payment from FSD IM office. Exclude Federal Entitlement, Private Pension and Social Security retroactive or deficiency payments. Only the regular monthly benefit amount counts as income. Overpayments: Black Lung Government Employee Pensions IM Private Pensions RRB SSA SSI UCB that are being deducted from the current benefit amount. VA Benefits Uncontrolled Income Reimbursements for Expenses incurred in connection with employment and-or training (Example: mileage) Medical expenses (Example: Medicare and Veterans Administration Aid and Attendance) Foster Care expenses (Example: clothing or transportation) Payments made to others on behalf of a household. These payments occur when a person or organization outside the household makes a direct payment either to the household’s creditors or to a person or organization providing a service to the household. In-kind income (gain or benefit that is not in the form of money. Representative payments paid to the household on behalf of another household, which is unable to manage the payment. Personal Loans Personal loans in which a written repayment agreement dated prior to the date of application has been documented. If the household deposits money from the personal loan in an account, consider it a resource, and record as such on the E1AP screen. Reverse Mortgage Payments from a reverse mortgage may be received in a lump sum or in monthly payments. Consider a reverse mortgage as a type of home equity-based loan and do not use to determine eligibility. If any funds remain from the reverse mortgage payment in the month the application is received, consider remaining funds a resource and