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6.5 LTSS Determination of Countable Resources A. The State has established a four thousand dollar ($4,000.00) resource limit for Medicaid LTSS eligibility except for ACA expansion adults as indicated in § 6.5.1 below. These resource limits are used to determine financial eligibility only and are not protected or reserved for any purpose related to Medicaid LTSS access or coverage. Therefore, the State treats countable resources within these limits to be available to the applicant or beneficiary as indicated in Part 40-00-3 of this Title. B. The process for determining countable resources for LTSS purposes requires evaluating total assets at the time of application as well as a look-back period of five (5) years prior to the application date. The purpose of this five (5) year look- back period is to assess whether an applicant has transferred an asset (that is, resource or income) for less than or an unascertainable fair market value. 6.5.1 Resources and ACA Expansion Adults A. ACA expansion adults seeking Medicaid LTSS are exempt from the provisions in Title XIX requiring States to establish resource limits for eligibility. As indicated in Part 8 of this Subchapter, federal provisions related to the post-eligibility treatment of income also do not apply. B. ACA expansion adults are subject to Federal requirements related to the transfer of assets (i.e., liquid resources and real property) to prevent the divestiture of resources to gain access to Medicaid LTSS and ensure that a share of the applicant’s resources are protected for a spouse and dependents. Therefore, the only provisions set forth in this Part that apply to ACA expansion LTSS applicants are in §§ 6.6 to 6.12 of this Part. The provisions in Part 10-00-4 of this Title regarding estate recovery also apply. 6.5.2 Community Spouse Resource Allocation (CSRA) Process A. The Community Spouse Resource Allocation (CSRA) is one of several mechanisms established by the federal government to ensure that the costs of LTSS care do not impoverish the spouse and/or dependents of the person who is receiving LTSS. Toward this end, a CSRA assessment considers the couple’s total resources when LTSS began and allocates certain amounts, within the limits established under Section 1924 of the Social Security Act, 42 U.S.C. § 1396r-5, to both the LTSS recipient and their spouse. Hereinafter, the non-LTSS spouse is the person in a couple who is not receiving or applying for LTSS. Once the CSRA is completed, the amount allocated to the non-LTSS spouse is considered protected and is unavailable to pay for the Medicaid LTSS beneficiary’s cost of care. B. On and after the point at which one begins to receive LTSS on a continuous basis and/or applies for Medicaid LTSS, a CSRA assessment of combined