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LOANS RECEIVED BY HOUSEHOLD: Exclude all valid loans. LOAN REPAYMENTS TO HOUSEHOLD: ACA: Count only the interest portion of the repayment. ABD and Family Medically Needy: Exclude the full repayment (principal and interest) of a loan given by the household when the loan is a countable resource. Count the full loan payment (principal and interest) for a loan excluded as a resource.

LUMP SUM PAYMENTS: ACA: Count taxable lump sum payments. ABD and Family Medically Needy: Count lump sum payments that can be prospected, unless received from an excluded source. Payments are countable income in the month received and a resource the following month, if retained.

Examples of lump sum payments include:

· Severance pay or sick leave (see CMA 501-1 Unearned Income and CMA 502-1 Earned Income); · Income tax refunds; · Rebates or credit refunds; · Crop insurance proceeds (see section CMA 503-1 Self-Employment Income); · Retroactive Social Security, retroactive SSI, retroactive TANF or Tribal TANF, retroactive Railroad Retirement or insurance settlements; · One-time or installment lottery payments; · Windfall or other one-time payments. MEDICAID INCENTIVES FOR PREVENTION OF CHRONIC DISEASE: Exclude incentives Medicaid clients receive under the Medicaid Incentives for Prevention of Chronic Disease (MIPCD) Grant Program. MEDICARE SUPPLEMENTAL FLEX CARD: Medicare Supplemental Flex Card Benefit provided by Medicare Advantage plans are excluded unearned income for Medicaid. These cards may also be referred to as “Food Cards”. Allowances for Health-related items like gym members and vitamins are excluded. When these cards or allowances are coming from a Medicare Advantage plan such as Humana, BCBS, etc. these are excluded income for Medicaid.