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a. Gross income, including any cash assistance received by the sponsor or the sponsor’s spouse; b. Net self-employment income, minus self-employment expenses; c. If the sponsor is a member of the FRU, the sponsor’s income is already deemed to the sponsored non-citizen spouse and family members in accordance with income deeming rules contained in § 1.12.5(E) of this Part. 3. If the sponsor is not a member of the FRU or is a member of the Medicaid eligibility group whose income is not deemed under income deeming rules in § 1.12.5(E) of this Part, the following apply: a. The total gross income of the sponsor and the sponsor’s spouse is deemed to each sponsored non-citizen. b. The sponsor or the sponsor’s spouse’s income are considered available and are not excluded. 1.12.6 General Rules for Counting Resources – Community Medicaid A. The State uses a more simplified process for counting resources for Community Medicaid, as explained in Subchapter 00 Part 3 of this Chapter, which permits attestations about the value of certain resources during the application process when determining financial eligibility. For Medicaid LTSS eligibility, full verification of resources and a transfer of asset review are required for IHCC group members prior to the determination of eligibility and authorization of services. There is no review of the transfer of assets for Community Medicaid. 1. Process – The process rules identified in Subchapter 00 Part 3 of this Chapter are used in evaluating resources to determine which are included in the calculation. 2. Application of Exclusions – Both federally mandated and program specific exclusions are applied for resources of a Community Medicaid applicant or beneficiary, the following items are excluded in the following order in the amounts indicated: a. The home and adjoining land; b. Household goods and personal effects; c. One (1) automobile and the equity value of a second (2nd) vehicle above four thousand five hundred dollars ($4,500.00); d. Property of a trade or business which is essential to the means of self-support;