Background: Income. The following provisions apply to all applications for cash assistance, medical programs for children, pregnant women and families, and food assistance.

In determining whether a person is eligible for assistance, the Department of Social and Health Services (DSHS) counts all available income owned or held by people in the assistance unit in determining whether the person is eligible for benefits in the following situations:

The person receives or expects to receive the income in the month.
The person owns the income. DSHS uses state and federal laws about who owns property to decide if the person actually own the income.

The person has control over the income, which means the income is actually available to the person. If the person has a representative payee, protective payee, or other person who manages the income, DSHS considers this income available to the person.

The person is able to use the income to meet current needs. DSHS counts the gross amount of available income in the month the person receives it.

DSHS considers income to be owned by someone else and available to the applicant or recipient when the applicant or recipient receives the income and can use the income to meet his or her needs for food, clothing ad shelter.

Resources. Generally DSHS counts the following resources toward an assistance unit's resource limits for cash assistance and family medical programs to determine eligibility for benefits:

Liquid resources not specifically excluded below. These are resources that are easily changed into cash. Some examples of liquid resources are cash on hand; money in checking or savings accounts; money market accounts or certificates of deposit less any withdrawal penalty; available retirement funds or pension benefits, less any withdrawal penalty; stocks, bonds, annuities, or mutual funds less any early withdrawal penalty; available trusts or trust accounts; or lump sum payments.
The cash surrender value (CSV) of whole life insurance policies.
The CSV over $1,500 of revocable burial insurance policies or funeral agreements.
The amount of a child's irrevocable educational trust fund that is over $4,000 per child.
Funds withdrawn from an individual development account (IDA) if they were removed for a purpose other than those specified in RCW 74.08A.220.
Any real property like a home, land or buildings not specifically excluded.
The equity value of vehicles as described in WAC 388-470-0070.
Personal property that is not a household good; needed for self-employment; or of great sentimental value, due to personal attachment or hobby interest.

The following types of liquid resources do not count when determining your eligibility: bona fide loans, including student loans; basic food benefits; income tax refunds for 12 months from the date of receipt; earned income tax credit (EITC) in the month received and for up to 12 months; advance earned income tax credit payments; federal economic stimulus payments that are excluded for federal and federally-assisted state programs; IDAs established; retroactive cash benefits or temporary assistance for needy families or state food assistance benefits resulting from a court order modifying a decision of DSHS; underpayments received; educational benefits that are excluded as income under WAC 388-450-0035; the income and resources of an SSI recipient; a bank account jointly owned with an Supplemental Security Income (SSI) recipient if the Social Security Administration already counted the money for SSI purposes; foster care payments provided under Title IV-E and/or state foster care maintenance payments; adoption support payments; self-employment accounts receivable that the client has billed to the customer but has been unable to collect; and resources specifically excluded by federal law.

The following types of real property do not count when DSHS determines eligibility:

The applicant or recipient's home and the surrounding property that the applicant or recipient lives in.
A house the applicant or recipient does not live in but plans to return to if the reason the applicant or recipient does not live in the home is because of employment; training for future employment; illness; or natural disaster or casualty.
Property that the applicant or recipient is making a good faith effort to sell; intends to build a home on, if the applicant or recipient does not already own a home; produces income consistent with its fair market value, even if used only on a seasonal basis; or a household member needs for employment or self-employment.