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4.6 EXCEPTIONS TO THE LIEN A. A lien shall not apply: 1. For periods of receipt of Medicaid before the beneficiary reached the age of fifty-five (55). 2. If the beneficiary is survived by: a. A spouse; or b. A child who is under the age of twenty-one (21); or c. A child who is blind or permanently and totally disabled as defined in Title XVI (SSI) of the Social Security Act. B. An individual who is a survivor of the deceased beneficiary, as described above, need not be residing in property of the estate or be a beneficiary of the estate. C. Receipt of SSI, RSDI or Railroad Retirement (RR) benefits is acceptable evidence of disability. However, if the child is not in receipt of such benefits, the characteristic of disability must be determined by EOHHS. 4.7 REDUCTIONS OF THE LIEN UNDER QLTCIP PROGRAM A. RI has established a Qualified Long-Term Care Insurance Partnership (QLTCIP) program. This Qualified LTC Insurance Partnership provides: 1. For the disregard of a Medicaid applicant's resources in an amount equal to the benefits paid by their QLTCIP policy as of the time of their application for Medicaid; and 2. For the total amount paid by the individual's QLTCIP policy at the time of death to be disregarded in the determination of the amount to be recovered from a beneficiary's estate. 3. The amount that will be protected during estate recovery is the same amount that was disregarded in the eligibility determination. (There may be continuing QLTCIP policy payments after Medicaid eligibility is established, so if the person later gains assets, he/she may have more protected than he/she had at the time of eligibility). 4. Thus, the total amount paid by the individual's QLTCIP at the time of death is to be disregarded in the determination of the amount to be recovered from a beneficiary's estate.