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32.10.2 QMB Changes in Circumstance ................................................................................................ 414 32.10.3 SLMB, SLMB+, QDWI Renewals ............................................................................................... 414 32.10.4 SLMB, SLMB+, QDWI Changes in Circumstance ...................................................................... 415 32.10.5 Program Choice ........................................................................................................................ 415 32.11 Medicare Beneficiaries Adversely Affected .................................................................................... 415 33.1 SeniorCare Introduction .................................................................................................................... 416 33.2 Application ........................................................................................................................................ 416 33.2.1 SeniorCare Application Introduction ......................................................................................... 416 33.2.2 Application Processing ............................................................................................................... 416 33.2.3 Signing the Application .............................................................................................................. 417 33.2.3.1 Witnessing the Signature .................................................................................................... 417 33.2.4 Authorized Representative ........................................................................................................ 418 33.2.5 Guardian and Power of Attorney ............................................................................................... 419 33.3 SeniorCare Nonfinancial Requirements ............................................................................................ 419 33.3.1 SeniorCare Nonfinancial Requirements Introduction ................................................................ 419 33.3.2 Enrollment Fee ........................................................................................................................... 422 33.3.2.1 Refunds ............................................................................................................................... 422 33.3.2.2 Refunds to Deceased Members .......................................................................................... 423 33.3.2.3 Opt-In .................................................................................................................................. 423 33.3.3 Age Limitation ............................................................................................................................ 423 33.3.4 Other Insurance ......................................................................................................................... 424 33.3.5 Creditable Coverage ................................................................................................................... 424 33.4 SeniorCare Fiscal Test Group ............................................................................................................ 425 33.5 SeniorCare Benefit Period ................................................................................................................. 425 33.5.1 SeniorCare Benefit Period Introduction ..................................................................................... 425 33.5.2 ID Cards ...................................................................................................................................... 425 33.5.3 Eligibility Begin Date .................................................................................................................. 426 33.6 SeniorCare Financial Requirements .................................................................................................. 427 33.6.1 Assets ......................................................................................................................................... 427 33.6.2 Income ....................................................................................................................................... 427 33.6.3 Gross Social Security .................................................................................................................. 428 33.6.4 Gross Earnings ............................................................................................................................ 428 33.6.5 Interest and Dividends ............................................................................................................... 428 33.6.5.1 Capital Gains ....................................................................................................................... 429 33.6.5.2 Trusts ................................................................................................................................... 429