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5. The loan allows for sporadic, unequal, deferred, or balloon payments. Also see CMA 401-1 Ownership, Accessibility and Equity Value Inaccessible Resources. LOANS RECEIVED by the HOUSEHOLD: Exclude loans in the month received and the following month. LUMP SUM PAYMENTS: Excluded income in month of receipt (if cannot be prospected); countable resource the following month, unless otherwise excluded. Countable lump sum payments may include, but are not limited to lottery winnings, gifts, gambling winnings, inheritance, etc. Exclude retroactive Social Security or SSI payments retained in bank accounts or as cash for nine months after the month of receipt. (P.L. 108-203). NON-HOME REAL PROPERTY: Count the equity value of non-home real property, whether listed for sale or not, unless the property’s value is inaccessible or otherwise excluded. Land on which the individual intends to build or is building is countable. Encumbrances against the property are considered in determining equity value. Medicaid liens are considered encumbrances if Lien & Estate Recovery Unit confirms the liens are currently enforceable. OIL and MINERAL RIGHTS: Exclude oil and mineral rights when the property’s surface rights are excluded (e.g., as the home). See ‘Royalty’ in CMA 501-1 Unearned Income, for oil and/or mineral right income. Acceptable verifications include deeds, lease agreements, titles, and homestead documents. If oil and/or mineral rights are producing income under a lease agreement, the owner may be constrained from selling or otherwise disposing of those rights. A knowledgeable source (e.g., area brokers, Bureau of Land Management or companies that lease mineral rights) may be able to provide fair market value. Equity value is determined by subtracting encumbrances/liens from the fair market value. PATIENT TRUST ACCOUNT of a NURSING HOME/ INSTITUTION RESIDENT: Countable. Patient trust accounts are administered by nursing homes or similar facilities and may hold only a small amount of spending money or may hold all of a patient’s unspent funds.