Page 106

$ 1,500 Burial exclusion - 1,000 Face value of life insurance 500 Amount left for burial exclusion $ 2,500 Liquid assets verbally designated for burial - 500 Amount which can be excluded through burial exclusion $ 2,000 No excess resources The entire savings account is designated for burial. It is not commingled with other non-burial assets. Therefore, the client may continue to keep the excluded $500 in the savings account. 3. If the amount remaining in the burial exclusion is not enough to reduce resources to allowable limit, inform a/b of: a. The amount of excess resources; AND b. Methods to reduce it, including purchase of an irrevocable burial asset. c. Refer to MA-2303, Verification Requirements for Applications. d. Refer to H. for methods to reduce resources through purchase of burial expenditures. EXAMPLE: Application taken 6/5 with request for retroactive Medicaid for May and ongoing. Single applicant owns one policy with face value of $1,000 and a savings account with $3000 which he states is intended and needed for burial expenses. $ 1,500 Burial exclusion - 1,000 Face value of life insurance $ 500 Amount left for burial exclusion $ 3,000 Liquid assets intended for burial - 500 Amount left for burial exclusion $ 2,500 Countable resources – burial exclusion does not establish eligibility Applicant is not eligible through application of burial exclusion. Resources must be reduced. One way to reduce resources is to use the liquid assets to purchase a burial asset that is excluded from date of purchase (this cannot be used to establish eligibility for May). 4. If the applicant dies before the application is made, or before it is disposed, the amount of countable resources excluded for burial expenses is $1,500, regardless of the actual costs of burial. G. Burial Exclusion Guide 106