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D. To qualify through the Sherlock pathway, a person must be determined disabled by a State or Federal government authority using the criteria established for the SSI program except for the provisions related to substantial gainful activity. 1. General eligibility requirements –To be Sherlock-eligible, a person must: a. Meet the non-financial eligibility requirements set forth in Part 10- 00-3 of this Title; b. Be age sixty-five (65) or older; and c. Have proof of active, paid employment such as a pay stub or current quarterly U.S. Internal Revenue Service (IRS) tax statement (for those who are self-employed). 2. Financial eligibility – Applicants for Sherlock eligibility are subject to the SSI methodology for counting income and resources set forth in Subchapter 00 Part 3 of this Chapter. The following income and resource standards apply: a. Income. Countable earned net income must be no greater than two hundred fifty percent (250%) of the FPL. Countable earned net income is defined as the total of earned income remaining after all SSI-related disregards are applied; and b. Resources. Total countable resources must be no greater than ten thousand dollars ($10,000.00) (individual) or twenty thousand dollars ($20,000.00) (couple). Medical savings accounts, retirement accounts, or accounts determined to be for the purposes of maintaining independence are not counted as a resource; approved items that are necessary for a person to remain employed are also not counted as a resource (such as a wheelchair accessible van). 3. Retroactive coverage – As an SSI-related coverage group, applicants may be eligible for up to ninety (90) days of retroactive coverage. Eligibility for retroactive coverage is determined in accordance with Subchapter 05 Part 2 of this Chapter once the premium or cost of care requirements set forth below in § 1.8.2 of this Part have been met. 1.9.1 Types of Cost Sharing A. Depending on their countable income from all sources, both LTSS and non-LTSS Sherlock beneficiaries may be required to pay a share of the cost of coverage. Non-LTSS Sherlock beneficiaries subject to a cost share are required to pay a premium; LTSS Sherlock beneficiaries who have a cost share have the choice of paying a cost of care or a premium.