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a deed or divorce decree. A court-ordered right of ownership takes precedence over any contrary verbal claim or stipulation on any document. JOINT TENANCY—Each tenant has undivided interest in the whole of the property. Upon the death of one of the tenants, the undivided interest in the property reverts to the surviving tenants. Any real property can be divided. Refusal of one party to sell does not create an excluded resource. The real property may be partitioned and is a countable resource to the applicant. JUDGMENT PAYMENTS—Per capita payments distributed to enrolled members of Indian tribes as a result of a lawsuit made against the United States Government. Such funds, as well as the interest they accrue, must be excluded from income and resources. K KEOGH—A tax deferred pension or plan for a self-employed individual to set aside money now for their needs after retirement. KNOWLEDGEABLE SOURCE—A person who has a considerable degree of familiarity of an individual or subject which has been gained through experience of or association with the individual or subject; a person who is professionally aware of the value of the property in the community or general area. For example, a real estate broker is a knowledgeable source on real property values; a person in the business of buying and selling contracts for deeds is a knowledgeable source on values of contracts for deeds. L LAPR—Lawfully Admitted to the United States for Permanent Residence LIEAP—Low Income Energy Assistance Program LTR - Lawful Temporary Resident LAWFULLY RESIDING— As relates to immigration, someone who is lawfully present and meets state residency rules. LEASE INCOME—Payment distributed in accordance with a lease agreement. LEGAL RECORDS—Documents of transactions conforming to or permitted by law. LEGALLY OBLIGATED—Court-ordered LEVEL OF CARE DETERMINATION—A determination completed by a department- designated entity resulting from an assessment of functional abilities, psychosocial needs and medical conditions verifying the need for long term care services (institutional or home and community-based services). LIEN—A security interest or claim upon real or personal property to ensure satisfaction of a debt. The lien amount must be paid up in order for title to property to be transferred from one owner to another. LIFE ESTATE--An interest in real or personal property that is limited in duration to the lifetime of its owner or some other designated person(s). A life estate is personal property, even when it is the right to use real property owned by others. LIFE INSURANCE—A contract (policy) where the policy owner pays premiums during his/her lifetime and the company pays the face value of the policy to the beneficiaries upon the death of the insured.