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8. Expenses for establishing and maintaining a court- ordered guardianship or protective placement, including court ordered attorney or guardian fees. 9. Other medical expenses. 27.6.2 Hospitalized Persons When you determine a hospitalized person’s monthly need use the average daily charge for the hospital the person is in. See SECTION 39.7 HOSPITAL DAILY RATES. If his or her hospital is not on the list, enter $2,318.08 on Long Term Care Gatepost/ Institutions screen. 27.6.3 Both Spouses Institutionalized If both spouses are institutionalized and one has income greater than his or her monthly need, calculate the couple’s combined monthly need and compare it to their monthly income. If their combined monthly need exceeds their combined monthly income, both spouses may become eligible. 27.6.4 Health Insurance Allow health insurance costs only if the primary person is the owner of the policy and is billed for the premium. Do not deduct health insurance premiums for health insurance that pays for more than the cost of medical care. An insurance policy which pays for accidental injuries, does not qualify as a health insurance premium and cannot be deducted. When a person pays premiums less often than once a month, prorate the premium to find the monthly amount. Deduct the monthly amount from the monthly income. The accumulation of these premium amounts is an exempt asset. Exempt them for a period over which they have been prorated. Example 1: Mr. W. pays a health insurance premium of $600 every quarter. The monthly amount, prorated over three months, is $200. Deduct $200 from Mr. W’s monthly income. Each quarter, exempt $600 of Mr. W’s assets until that quarter’s premium due date. 27.6.4.1 Nursing Home and Hospital Insurance Nursing home and hospital insurance policies are indemnification policies. Indemnification policies provide benefits in a fixed amount for a confinement, such as a hospitalization, regardless of the expenses actually incurred by the insured. Nursing home and hospital insurance policies pay a flat rate to the policy holder for each day that he or she resides in the nursing home or hospital, respectively. Consider nursing home and hospital insurance as a type of medical insurance. Allow the premiums as a deduction in the eligibility test and post-eligibility calculation. 27.6.4.2 Assignment of Nursing Home and Hospital Insurance Payments All members must cooperate in providing Third Party Liability (TPL) coverage and access information (see SECTION 9.2 NURSING HOME AND HOSPITAL INSURANCE). All members must sign over to the State of Wisconsin all their rights to payments from hospital or nursing home insurance (see SECTION 9.2.2 ASSIGNMENT). Terminate eligibility for any individual that will not cooperate in: