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1278 (07/2026) Chapter 8: Examples • Chapter 8: Examples Example 1: A transfer in the applicant’s look-back period Violet, who is paying privately for a residential care facility, decides to give $100,000 to a family member to help with college expenses in August 2006. Violet had more than $2000 in resources at the time. Violet’s date of request for Medicaid is November 10, 2006. This gift is determined to be a disqualifying transfer of assets, because Violet knew at the time the gift was made that services were needed, and would not have taken the action if Medicaid was not expected to be available. Violet is otherwise eligible. $100,000 ÷ $5,360 (from 461-140-0296) = 18.6567164. Because this transfer happened after to July 1, 2006, it causes an 18-month disqualification beginning on November 10, 2006 through May 9, 2008. The .6567164 is converted to additional days by multiplying it by 31 (the number of days in the last full month, May). Therefore, 31 X .6567164 =20.3582084 days. The partial day (.3582084) is dropped, and Violet is disqualified through May 29 (May 9 plus 20 days). Example 2: A transfer with value of less than a day At renewal in September 2007, Doris reports winning $130 on a lottery scratch-it ticket last month and decided to give it to a family member for their birthday. Doris had $2000 resources at the time of the transfer. $130 ÷ $5,360 = .0242537. Because this transfer happened after July 1, 2006, convert the disqualification to days. August is a 31-day month, so 31 X .0242537 = .7518647 days, which is rounded down to .75. The partial day (.75) is dropped and there are zero full months, resulting in no disqualification. Even though gifting the money was a disqualifying transfer, the amount was so small that there is no resulting penalty to serve. Example 3: Recalculation of disqualification period after assets are returned Joseph decides to give $100,000 to a family member to study abroad in August 2006. Combined resources were more than $2000 at the time. Joseph’s date of request for Medicaid is November 10, 2006. This gift is determined to be a disqualifying transfer of assets and Joseph is disqualified through May 29, 2008. The family member does not spend the entire amount while studying abroad and returns $50,000 in March. The disqualification period must be recalculated. $50,000 ÷ $5,360 (from 461-140-0296) = 9.3283582. The .3283582 is converted to additional days by multiplying it by 31 (the number of days in the last full month, August). Therefore, 31 X .3283582 = 11.1044604 days. The partial day (.1044604) is dropped and the new disqualification period is November 10, 2006 through August 20, 2007. Post-eligibility OSIPM Calculating the liability