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Excluded Resources

The following resource types do not count toward resource eligibility

Resource Type Amounts Excluded
Burial plot
Exempt one for each household member.
Earned income tax credits Exempt for
  • 12 months from receipt when the household

    1. receives SNAP at the time of receipt and

    2. continues to receive SNAP during this 12-month period.

      • Temporary breaks of less than one month are not a break in service.
      • For example, a household whose case closes for recertification or mid-certification renewal does not lose this exemption.

  • the month of receipt and the month after for the individual and the individual's spouse when the household did not receive SNAP during the receipt month.

Education savings
Exempt funds in
  • a qualified tuition program per section 529 of the IRS Code,
  • a Coverdell education savings account per section 530 of the IRS Code, and
  • an education savings account FNS approved as excludable.

Energy assistance payments and allowances Exempt
Funeral agreements
Exempt one for each household member.
Home
Exempt the home and any surrounding property.
  • Property owned by others may not separate the excluded property from the home.

  • Public roads or rights of way do not cause property to be separate from the home.

  • The exemption applies to

    • purchased property on which a household intends to build a home and
    • where construction has begun.

  • The exemption lasts during temporary absences if the household intends to return. The approved reasons for absence are employment, training, illness, or uninhabitability.

​Home repair disaster assistance
Exempt government payments to restore a disaster-damaged home.
Household goods
Exempt
​Inaccessible funds
Exempt resources with a cash value that is not accessible to the household. Examples include
  • irrevocable trusts,
  • security deposits,
  • property in probate, and
  • property the household is making a good faith effort to sell.
​Income-producing property
Exempt property that produces annual income consistent with its fair market value. Examples include rental homes and vacation properties.
Indian land
Exempt Indian land held jointly by the tribe or that requires Bureau of Indian Affairs approval for sale.
Installment contracts and agreements
Exempt when the contract or agreement produces income consistent with its fair market value.
​Life insurance
Exempt the cash value of life insurance.
Non-liquid asset with a lien
Exempt non-liquid assets if
  1. a business loan places a lien on it and
  2. >
  3. the household may not sell it due to a security or lien agreement.
​Pension plans or funds
Exempt the cash value.​
Personal effects​
​Exempt
​​Property essential to employment or self-employment
Exempt property essential to employment or self-employment.
  • Examples include farmland, farm equipment, tools, or other work-related equipment.

  • Property essential to self-employment farming continues to be exempt one year after the household member stops farming.
Property related to vehicle maintenance
Exempt real or personal property to the extent it is directly related to a vehicle's use or maintenance or use of a qualifying exempt vehicle.
The vehicle must exempt from resource consideration due to the household
  • using it for income–producing purposes,

  • receiving annual income from it consistent with its fair market value, or

  • needing it for long-distance (but not commute-related) travel for work.

For example, a household that owns a produce truck may not be allowed to park it in a residential area. The household may own a 100-acre field and use a quarter-acre to park or service the truck. Only the value of a quarter-acre would be exempt.
​Resources excluded by federal statute
Exempt
Resources of disqualified person or ineligible alien
​Exempt resources that qualify for another exemption when counting a disqualified person or ineligible alien's resources to the household.
Resources of a SSI, SSP, or TANF recipient
Exempt all resources for a household member who receives
  • Supplemental Security Income (SSI),
  • State Supplemental Payment (SSP), or
  • Temporary Assistance for Needy Families (TANF).

​Resources prorated as income
Exempt resources prorated as income. An example is self-employment.
Retirement plans
Exempt the cash value of funds in a plan, contract, or accounts based on these sections of tax law:
  • Section 401(a) (includes 401(k) plans),
  • Section 403(a) and (b),
  • Section 408 (traditional IRAs and Individual Retirement Annuities),
  • Section 408A (Roth IRAs),
  • Section 457(b),
  • Section 501(c)(18),
  • Section 529A (ABLE program),
  • Section 7701(j) (Federal Thrift Savings Fund), and
  • any other tax-exempt retirement plan or arrangement.

​Vehicles
Exempt vehicles from a market and equity valuation only if
  1. licensed and
    On Indian reservations where tribal members may drive without licensing their vehicles, you will count it as licensed for this exemption.

  2. the household

  • uses it for income-producing purposes,

    • Examples include but are not limited to

      • a taxi,
      • a truck,
      • a fishing boat,
      • a delivery vehicle, and
      • a vehicle to call on customers or required by the employment terms.

    • Vehicles used in self-employment farming continue to be exempt one year after the household member stops farming.

  • receives annual income from it consistent with its fair market value,

    • This exemption includes seasonal income that equals the vehicles fair market value.

  • needs it for long-distance (but not commute-related) travel for work,

    • Examples include but are not limited to a traveling sales person or migrant farm worker following the work stream.

  • uses it as a home,

  • uses it to transport a physically disabled household member or disqualified member,

    • Exempt one vehicle per person with disabilities.
    • The vehicle does not need to have special equipment or serve as the person's primary means of transportation.

  • needs it to carry most of the household's fuel for heating or water for home use, and

    • You do not consider the vehicle's nature, capabilities, and other uses when granting this exemption.
    • Verification is not necessary unless the exclusion is questionable.

  • would receive less than $1,500 by selling the vehicle.

Exempt the following vehicles from an equity value
  • one licensed vehicle for each adult household member, and

  • any vehicle a child (a household member under 18) drives to work, school, job training, or to look for work.
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