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Page 9 of 11 § 10:71-4.5 Resource eligibility standards properly imposed totaled $ 12,437.33. B.J.H. v. Union Cty. Bd. of Social Servs., OAL DKT. NO. HMA 13823-14, 2015 N.J. AGEN LEXIS 208, Initial Decision (February 13, 2015). Life insurance policy owned by an applicant for Medicaid Only was a "countable" resource for the purpose of determining the applicant's eligibility for benefits. Because inclusion of the cash surrender value of the policy with the applicant's other resources meant that she exceeded the resource limit of $ 2,000, her application was properly denied. P.J., v. DMAHS and Union Cnty. Bd. of Social Servs., OAL DKT. NO. HMA 9140-2014, 2014 N.J. AGEN LEXIS 1300, Final Administrative Determination (October 28, 2014). Administrative law judge reversed a determination of the Atlantic County Board of Social Services, Medicaid Unit (CWA), denying a Medicaid application based on excess resources under N.J.A.C. 10:71-4.5(c). Pursuant to provisions of N.J.A.C. 10:71-4.1 et seq., the applicant, a person that was adjudicated as incapacitated by the Superior Court on May 10, 2013, did not have access to probate assets (bank account) held by the (intestate) estate of his deceased wife. Nor did the Public Guardian have access to the assets of the estate of the deceased wife at this time. If and when the assets of the estate of deceased wife were subject to probate, the Public Guardian was ordered to inform the CWA and resource eligibly might be re-evaluated, subject to the priorities established by the probate laws. E.C. v. Atlantic County Bd. of Social Serv. and Div. of Medical Assistance and Health Serv., 3 OAL DKT. NO. HMA 9751-14, 2014 N.J. AGEN LEXIS 542, Initial Decision (October 24, 2014). Administrative law judge affirmed the termination of a recipient's Medicaid case by the Bergen County Board of Social Services and its attempt to recover Medicaid benefits expended on his behalf because he failed to disclose all resources as defined by N.J.A.C. 10:71-4.1(b) on his Medicaid application and subsequent redetermination applications. Irrespective of the recipient's state of mind at the time of the initial application or subsequent redeterminations, it was undisputed that he was the owner of a TD Ameritrade account, the value of which at all relevant times exceeded the resource eligibility limit of N.J.A.C. 10:71-4.5(c). J.V. v. Bergen County Bd. of Social Serv., OAL DKT. NO. HMA 09843-14, 2014 N.J. AGEN LEXIS 717, Initial Decision (October 15, 2014). DMAHS properly denied an application for the Medicaid Only/Community Care Waiver program made on behalf of a disabled adult on the ground that the adult had excess resources and that significant assets had been transferred within 6 months of the application. Leaving aside other assets on which evidence was received, the adult had nearly $ 50,000 in a trust account on the date of the application and thus her resources exceeded the $ 2,000 ceiling in N.J.A.C. 10:71-4.5(c). Second, as for the transfers, which included a transfer of a condominium and transfers in the amounts of $ 52,863.39 and $ 46,108.86, per N.J.A.C. 10:71-4.10( l)1, the determination of whether the transfer was made to qualify for Medicaid does not include a consideration of the merits of the transfer, but whether the applicant has proven that the asset was transferred exclusively for some other purpose, the only circumstance in which presumption is successfully rebutted. In the absence of evidence rebutting that presumption, the existence of such transfers afforded grounds for denial of the application. S.M. v. DMAHS, OAL DKT. NO. HMA 11842-12, 2014 N.J. AGEN LEXIS 338, Initial Decision (June 20, 2014). Action of the Division of Medical Assistance and Health Services and the Camden County Board of Social Services denying an application for Nursing Home Medicaid was reversed. An irrevocable trust was created before the sixty month Medicaid long back period began. The checks written to the nursing home from the trust during the look back period were made payable to the nursing home, obviously for the applicant's care and for her benefit. The remaining checks written during the look back period appeared to be for the maintenance of the property that was contained in the trust and for taxes. These payments were for the benefit of the applicant with the exception of one check written payable to cash, which was considered not to be for her benefit under N.J.A.C. 10:71-4.11(e)1iii. Thus, the applicant's resources were under $ 2,000 pursuant to N.J.A.C. 10:71-4.5(c). J.S. v. Camden Cnty. Bd. Social Serv. and Div. of Medical Assistance and Health Serv., OAL Dkt. No. HMA 11618-13, 2014 N.J. AGEN LEXIS 280, Initial Decision (May 20, 2014). Camden County Board of Social Services and Division of Medical Assistance and Health Services improperly denied an application for Nursing Home Medicaid. The administrative law judge concluded that the applicant's trust was irrevocable and the only payment from the trust that was not made to or for her benefit under N.J.A.C. 10:71-