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Page 9 of 18 § 10:71-4.1 Financial eligibility standards; resources Agency's denial of a Medicaid application on the ground that requested information concerning a residence owned by the applicant that was encumbered by a reverse mortgage was reversed because the agency never informed the applicant that he needed to submit a current reverse mortgage statement or that the information previously submitted, which included a copy of the reverse mortgage contract and a letter from the mortgagee stating the date on which the account was opened and that it had a zero balance. G.O. v. Hudson Cnty. Bd. of Social Servs., OAL DKT.NO HMA 03950-16, 2016 N.J. AGEN LEXIS 996, Initial Decision (November 24, 2016). Transfer penalty of 93 days imposed on the eligibility of a 92-year old Medicaid applicant in connection with his transfer of a "life estate" for inadequate value was rejected by an ALJ, who determined that the value of the "life estate" was minimal at most. As no proof was presented to show that it was substantially less than $ 1,000, that amount was accepted as the value of the estate and a transfer penalty of three days was properly imposed. Moreover, the facts were such that the applicant might properly seek an undue hardship waiver. S.P. v. DMAHS et al., OAL DKT. NO. HMA 911-16, 2016 N.J. AGEN LEXIS 1103, Initial Decision (November 22, 2016). DMAHS erred when it imposed a transfer penalty on the Medicaid eligibility of a nursing home resident who sold her house, which had a "tax-assessed value" of more than $ 130,000, for $ 55,000. The resident rebutted the presumption that the proper formula for determining the value of the property was the tax-assessed value of the real estate, multiplied by the reciprocal of the assessment ratio in the most recent State Table of Equalized Valuation. At the time of the sale, the house needed substantial renovations and remediation to address its dilapidated condition which included mold throughout the premises. C.H. v. Atlantic Cnty. Bd. of Social Servs., OAL DKT. NO. HMA 07039-16, 2016 N.J. AGEN LEXIS 1095, Initial Decision (November 21, 2016). DMAHS finding that a transfer penalty was properly imposed upon the eligibility of an applicant for having transferred his residence for less than FMV was rejected on findings that the property needed substantial renovation. When the property first was listed at $ 189,900, the parties did not know that the heating and septic systems were inoperable, that there was mold throughout the property, and that the property in fact would fail building, electric, plumbing, and fire inspections. That being so, the best evidence of the property's actual FMV was the amount for which it actually sold, which was $ 80,000, and no transfer penalty should have been imposed. M.T. v. DMAHS and Atlantic Cnty. Bd. of Social Servs., OAL DKT. NO. HMA 13332-16, 2016 N.J. AGEN LEXIS 1091, Initial Decision (November 21, 2016). Transfer penalty imposed by a social services board by reason of the transfer, by a Medicaid applicant, of her 40% interest in her daughter's house for $ 120,000 was sustained because the daughter never paid the $ 120,000 to her mother and the applicant later claimed that the $ 120,000 was the value of services provided by the daughter to the mother. A.M. v. Bergen Cnty. Bd. of Social Servs., OAL DKT. NO. HMA 03076-16, 2016 N.J. AGEN LEXIS 1104, Initial Decision (November 17, 2016). Transfer penalty imposed upon the Medicaid eligibility of a nursing home resident on account of his claimed transfer of his home was rescinded because the evidence showed that the sale of the property was not for the home was not for the purpose of qualifying for Medicaid but rather for financing to help the resident and his wife was funds were needed to secure the resident's entry into assisted living. Moreover, the social services board erred in assigning an FMV of $ 120,000 given the deplorable condition of the property, which supported a market value equal to or less than the $ 65,000 sale price. J.W. v. Camden Cnty. Bd. of Social Servs., OAL DKT. NO. HMA00366-16, 2016 N.J. AGEN LEXIS 952, Initial Decision (November 4, 2016). Applicant's challenge to an order denying Medicaid eligibility on findings that there was no verification of certain deductions from insurance policies failed because the social services board made clear requests for such information and the nursing home that was acting for the applicant failed to provide the requested information. J.B. v. Camden Cnty. Bd. of Social Servs., OAL DKT. NO. HMA 09587-16, 2016 N.J. AGEN LEXIS 955, Initial Decision (November 3, 2016). Disabled recipient who was denied continued eligibility for in-community personal care under the Medicaid waiver program won reversal of denial because the agency made one attempt to obtain information on a term insurance