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of real property, and by the bill of sale, certificate of title, or other document in the case of personal property. When an individual has property recorded in his name that exceeds the allowable maximum, he may state that the property is in reality that of another individual. In that event he will be given an opportunity to establish that this is the case. He will be required to: 1. Transfer the property to the individual to whom he says it belongs, in order to present evidence of good faith. 2. Establish through documents if possible, and, if not, through other means that the property belongs to this individual. 3. Establish how the property came to be in his name rather than in that of the person to whom he states it belongs. When the requirements are met satisfactorily, the transfer of property will not be considered as having been done for the purpose of qualifying for assistance. If the individual is unwilling to show good faith by the above methods, then the fair market value of the property should be considered as a resource. When the disclaimed property is an insurance policy, the individual must sign a waiver to his rights to the cash value of the policy. Disclaiming of an insurance policy usually arises from the fact that another individual has been paying the premiums. In this case the individual must furnish evidence of payment of premiums and the period during which this has been done. Recent assumption of payment of premiums does not establish another individual s right to the cash value especially when an individual has paid the premiums for a period long enough to have equaled the cash value.

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