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damaged property are considered as excluded resources and are excluded for three months. Insurance payments for personal injuries are considered as income. INSURED—The person who is covered by an insurance policy. INSURER—The company or association that contracts with the insured person and is responsible for the payment of benefits. INTACT FAMILY--A filing unit consisting of both parents and their children living together in a place of residence INTENSIVE SERVICES REVIEW COMMITTEE (ISRC) - A statewide committee of representatives designated by the DD Program to review pre-admission screening materials and determine level of care requirements for individuals referred to intensive services. The ISRC maintains a register of individuals who meet level of care requirements to be used by the statewide local screening committees for selection decisions when an opening (in the waiver program) occurs. INTEREST—A charge for a loan, or an amount earned by an amount on deposit; usually a percentage of the amount loaned or deposited. INTERMEDIATE CARE FACILITY (IFC) - A residential medical facility, known in federal regulations as a nursing facility, that provides health-related services above the level of room and board, and is certified and recognized under State law as a provider of such medical services. Residents must be admitted by a physician and continuously remain under a physician’s care. An ICF is licensed and monitored by DPHHS. INTERMEDIATE CARE FACILITY FOR THE MENTALLY RETARDED—A facility that provides intermediate care and active treatment to the mentally retarded or otherwise developmentally disabled. An ICF/MR is licensed and monitored by DPHHS. INTERVIEW—To question or talk with a person (face-to-face or via phone call) to obtain and give information. The Department cannot require an interview for ANY Medicaid program. IRREGULAR INCOME—Income that is received at various time intervals or fluctuating amounts; does not follow a regular pattern. IRREVOCABLE—That, which cannot be terminated, amended or set aside. ITEMS OF UNUSUAL VALUE—Household goods or personal effects that have a current market value of $500 or more that are held as investments and not used for day-to-day living, which may be countable. J JOINT CUSTODY—ACA/Family: Agreements where both parents share in providing maintenance, physical care and guidance for the child(ren). Flexibility is used in 50/50 custody situations. Staff work with the family to determine what is the best option for the child(ren). The child(ren) can be included in each household on every other month, every three months, semi-annual, etc. basis. JOINT POLICY—A life insurance policy that includes more than one person; usually covers both husband and wife and pays out when the first of the insured individuals dies. Also known as a “first to die” policy. JOINTLY OWNED PROPERTY—Presumed to be owned in equal shares by each of the persons holding a legal interest, unless otherwise specified in a legal document such as