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When to Verify •At initial application. •At renewal applications if changes have occurred. •If the client reports change that affects eligibility. Whole Life policies: •At initial and renewal applications. •If the client reports a change that affects eligibility.

Term Life policies: •At initial application. •At renewal unless original documentation from the insurance company verifies that the insurance policy will not accrue a cash value. •If the client reports a change that affects eligibility.

•At initial and renewal applications. •If the client reports a change that affects eligibility. Exemptions, Disregards and Comments N/A •If the client is unable to provide the needed information the Department can send a Life Insurance Verification Request form to the insurance company. Cash surrender value tables cannot be used as verification.

•Under certain circumstances, the client’s livestock, poultry, and crops may be exempt from consideration as a countable resource.

Questions to Consider N/A N/A N/A Sources for More Information 477 NAC 23- 003.05(A)(vi)(2)(a) • 477 NAC 23- 003.05(A)(iv) • 477 NAC 23-003.05(B)(vii)

Misc. Resources Continued

Household Goods and other Personal Effects Contents of Safe Deposit Box Tax Refund Definition Household goods and personal effects of moderate value used in the home. e.g. Furnishings and equipment used in the operation, maintenance and occupancy of the home. Items for comfort and accommodation; personal belongings, clothing, jewelry, items for personal care, etc.

Usually located inside a bank to store valuables. Items such as documents and jewelry are often stored. The return of excess amounts of income tax a taxpayer paid to the state or federal government.