Program Operations Manual System (POMS)
SI PHI01220.300 State Plan for Resource Disregards: Region III (Philadelphia)
See SI 01220.300
A. Operating Policy - Delaware
CATEGORY
|
DISREGARDS
|
Dollar maximum
|
Any excess after need determination not to exceed individual's full monthly need requirement
($300 maximum).
|
Home
|
Excluded, no maximum
|
Other real property
|
Reasonably income producing
|
Household goods
|
Excluded
|
Personal effects
|
Excluded
|
Automobile
|
If necessary
|
Life insurance
|
$1500 of cash surrender value excluded per person
|
Property necessary for self-support
|
If necessary
|
Other
|
-
•
Old age assistance only - cash reserve of $300
-
•
Burial resources not to exceed $1500
|
B. Operating Policy - District of Columbia
CATEGORY
|
DISREGARDS
|
Dollar maximum
|
|
Home
|
Excluded
|
Other real property
|
None
|
Household goods
|
Excluded
|
Personal effects
|
Excluded
|
Automobile
|
Retail value not over $1,500
|
Life insurance
|
$300 cash value
|
Property necessary for self-support
|
Excluded
|
Other
|
Money given for burial
|
C. Operating Policy - Maryland
CATEGORY
|
DISREGARDS
|
Dollar maximum
|
|
Home
|
Excluded
|
Other real property
|
None
|
Household goods
|
Excluded
|
Personal effects
|
Excluded
|
Automobile
|
Excluded, if of reasonable value
|
Life insurance
|
None. Include cash value in dollar maximum.
|
Property necessary for self-support
|
Tools, motor vehicles, or business equipment
|
Other
|
None
|
D. Operating Policy - Pennsylvania
CATEGORY
|
DISREGARDS
|
Dollar maximum
|
-
•
Aged and Disabled - Ineligible if person owns property or money which equals or exceeds
the monthly allowance.
-
•
Blind - Combined value of home and personal property does not exceed $5,000 and combined
value of other real and personal property does not exceed $1,500. Real and personal
property of living-with spouse in excess of $1,500 plus $600 for each dependent counts
toward $1,500
|
Home
|
-
•
Aged and Disabled - No fixed dollar limit. Not of unusual value in relation to community
standards and their needs.
-
•
Blind - Value is county assessed valuation less encumbrances. Value counts toward
$5,000 limit on real and personal property.
|
Other real property
|
-
•
Aged and Disabled - Individual ineligible if they own real property other than a home
-
•
Blind - Value is market value less encumbrances. Value counts toward $1,500 on nonresident
real and personal property.
|
Household goods
|
-
•
Aged and Disabled - Exclude if used to meet living requirements or having sentimental
value
-
•
Blind - Excluded, no limit
|
Personal effects
|
-
•
Aged and Disabled - Same as household goods.
-
•
Blind - Excluded, no limit
|
Automobile
|
One motor vehicle - No limit on value
|
Life insurance
|
-
•
Aged and Disabled - Eligibility not affected by new life insurance acquired or increases
in value during receipt of assistance.
-
•
Persons over age 18 - Eligibility not affected if insurance premiums are not more
than 50 cents weekly, $2.00 monthly, or $23.50 annually or face or cash value is less
than $500.
-
•
Persons under age 18 - Life insurance does not affect eligibility
-
•
Blind - First $500 cash value is excluded.
|
Property necessary for self-support
|
-
•
Blind only - Excluded if property is providing income consistent with the value of
the property and the income is sufficient to make an appreciable contribution to support.
Tools, equipment, etc., necessary to obtain income excluded if value is not excessive
in relation to standards for business and industry.
|
Other
|
-
•
Aged and Disabled - Real or personal property which represents investment of Veterans
bonus money does not affect eligibility
-
•
Savings of school children up to 2,000 a child
-
•
$50 cash on hand at time of application
-
•
Burial reserves established prior to 12/1/47 do not affect eligibility
-
•
Aged and Blind - Burial reserve does not affect eligibility if reserve plus face value
of life insurance does not exceed $500 ($1,000 for blind), use of money is restricted
and reserve is deposited with a bank or trust company.
-
•
Blind - Burial reserve does not affect eligibility if reserve can be revoked only
on consent of all persons involved.
|
E. Operating Policy - Virginia
CATEGORY
|
DISREGARDS
|
Dollar maximum
|
-
•
$400 individual or couple; individual or couple with essential person(s).
-
•
Blind only: $600 individual $900 family
|
Home
|
No limit
|
Other real property
|
Must be income producing unless:
-
-
•
sale would involve unreasonable loss, or
-
•
renewal of income-producing status anticipated in near future.
-
•
Otherwise, count market value towards dollar maximum.
|
Household goods
|
No limit
|
Personal effects
|
Excluded
|
Automobile
|
-
•
Excluded if automobile is essential and cash value does not represent a substantial
resource.
-
•
Essential is defined as needed for medical care, employment, training, or farm marketing
and public or private transportation not available.
|
Life Insurance
|
Excluded unless total face value of policies on individual exceeds $1,000 ($5,000
in Aid to the Blind) in which case CSV counts toward dollar maximum unless policies
pay cash income and it is to the individual's best interest that policies stay unchanged.
|
Property necessary for self-support
|
-
•
Aged and Disabled - Income producing property unless equity in it is $5,000 or more.
-
•
Blind - There is no limit.
-
•
Property must be producing reasonable rate of return. As a guide, reasonable return
is either:
-
1.
gross annual income of 10% of property's current market value; or
-
2.
gross annual income comparable to that received from similar property in the community.
|
Other
|
None
|
F. Operating Policy — West Virginia
CATEGORY
|
DISREGARDS
|
Dollar maximum
|
$1,000 per individual
|
Home
|
Excluded regardless of whether or not they are living in it.
|
Other real property
|
Disregard only if when combined with other assets the value does not exceed $1,000.
|
Household goods
|
General household belongings excluded
|
Personal Effects
|
General personal items excluded
|
Automobile
|
One vehicle provided sale value is $2,000 or less. Vehicles over $2,000 or more than
one vehicle owned (regardless of value) results in ineligibility.
|
Life insurance
|
None, include cash value in dollar maximum.
|
Property necessary for self-support
|
Blind only
|
Other
|
None
|