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Page 31 of 40 § 10:71-4.10 Transfer of assets 4.10(l)1. Her son's credible testimony, coupled with the documents in the record, established that the applicant was unable to manage her own finances and that her son had been spending her pension payments from August 2009 until August 2013 on her behalf. It was evident that her son was handling her finances for an extended period of time, including paying her rent and grocery bills. Given the duration of time, it was not unreasonable that her son did not have a receipt for every dollar that was spent on behalf of the applicant. E.W. v. Bergen County Bd. of Social Serv., OAL DKT. NO. HMA 05984-14, 2014 N.J. AGEN LEXIS 777, Initial Decision (December 5, 2014). Transfer penalty was properly imposed on an applicant's Medicaid eligibility with respect to various amounts, including $ 30,707 spent to pay for her grandson's private school and $ 5,500 given to her daughter. However, funds paid to municipal courts on her son's behalf were not properly considered to be payments made to qualify for Medicaid, thus requiring the agency to recalculate the amount of the proper penalty. A.R. v. DMAHS and Morris Cnty. Bd. of Social Servs., OAL DKT. NO. HMA 04663-14, 2014 N.J. AGEN LEXIS 1316, Initial Decision (November 18, 2014). Imposition of a transfer penalty by the Camden County Board of Social Services pursuant to N.J.A.C. 10:71- 4.10(a) and -4.10(b)9iv was affirmed. There was no preponderance of credible evidence that the purpose of the subject $ 10,000 transfer was unrelated to Medicaid. It was logical, reasonable and probable that Medicaid was contemplated to some degree by the applicant who, at age 94, moved in with her daughter but returned to her own condominium and perhaps then had some stage of dementia. The applicant did not convincingly rebutted the presumption that the transfer was made to establish Medicaid eligibility under N.J.A.C. 10:71-4.10(l)2. V.B. v. Camden County Bd. of Social Serv., OAL DKT. NO. HMA 10897-14, 2014 N.J. AGEN LEXIS 563, Initial Decision (November 10, 2014). Ocean County Board of Social Services and the Division of Medical Assistance and Health Services improperly denied an applicant Medicaid benefits on the grounds that she was over-resourced pursuant to N.J.A.C. 10:70- 5.1(a). The resource value of the asset in question, a restaurant, less the encumbrances against it resulted in a negative value. However, her transfer of assets for less than fair market value triggered a Medicaid-eligibility penalty period pursuant to N.J.A.C. 10:71-4.10(c)4. The applicant essentially made a gift of the property at issue to her son by transferring it for one dollar consideration and then encumbering it with close to $ 3 million in liens to build a business that her son and his wife owned through their limited liability company (LLC). The transfer was a gift to her son for which his LLC was the sole beneficiary. The applicant did not meet her burden of rebutting the presumption that the purpose of this transfer was for reasons other than Medicaid planning. She presented no explanation as to why she would give away her valuable interest in the property to her son's LLC for profit, leaving her with nothing but millions of dollars in debt. C.S. v. Div. of Med. Assistance and Health Serv. and Ocean County Bd. of Social Serv., OAL DKT. NO. HMA 5957-14, 2014 N.J. AGEN LEXIS 584, Initial Decision (November 6, 2014). Administrative law judge reversed a determination of the Cape May County Board of Social Services, Medicaid Unit, imposing a transfer penalty of three months and five days on an applicant. The payments to the applicant's daughter were not made in contemplation of Medicaid eligibility pursuant to N.J.A.C. 10:71-4.10(j). All of her resources were transferred to a trust in 2004. She had no need to spend down her income to make herself Medicaid eligible because she had a monthly assisted living facility debt that exceeded her nominal monthly income. C.S. v. Cape May County Bd. of Social Serv. and Div. of Medical Assistance and Health Serv., 3 OAL DKT. NO. HMA 9473-14, 2014 N.J. AGEN LEXIS 541, Initial Decision (October 24, 2014). Medicaid applicant who was given half a dozen opportunities during a hearing to present all available evidence regarding transfers totaling $ 61,602 but failed to do so was denied relief from a seven-month and 21-day penalty imposed on his Medicaid eligibility because he had the burden to rebut the presumption that the transfers were for fair value but failed to do so. R.B. v. DMAHS and Camden Cnty. Bd. of Social Servs., OAL DKT. NO. HMA 6301-14, 2014 N.J. AGEN LEXIS 1294, Final Administrative Determination (October 23, 2014). Transfer penalty that was imposed on the eligibility of a Medicaid applicant is properly assessed regardless of the ability or willingness to provide verifications concerning the transfer because the result is the same. F.F. v. DMAHS