1 General Program Requirements
2 Applications and Reviews
3 Nonfinancial Requirements
4 Financial Requirements
    Income
    Assets
    Deeming and Divestment
       4.6 Deeming
       4.7 Divestment
          4.7.1 Introduction
          4.7.2 Definitions
          4.7.3 Lookback Period
          4.7.4 Exceptions
          4.7.5 Penalty Period
          4.7.6 Multiple Divestments
          4.7.7 Jointly Held Assets
          4.7.8 Divesting by Paying Relatives
          4.7.9 Income Divestment
          4.7.10 Life Estates
          4.7.11 Annuities
          4.7.12 Promissory Notes
          4.7.13 Trusts
          4.7.14 Both Spouses Institutionalized
          4.7.15 MA Card Services
          4.7.16 Gambling
    FFU and Deductibles
5 Specific Programs
6 Ongoing Case Management
7 Benefits
8 Appendix