Arizona uses the life expectancy tables published by the Office of the Actuary of the Social Security Administration, here.


According to the Arizona Health Care Cost Containment System’s Eligibility Policy Manual, subsections 902 G Purchase of an Irrevocable Annuity :

In general, an irrevocable annuity bought in the look-back period, or a revocable annuity that becomes irrevocable in the look-back period may be a transfer of assets for less than full value.


Full value is considered to be received when the annuity meets the requirements below:
The annuity must:

a. Name AHCCCS as primary beneficiary; or

b. If the owner has a spouse, disabled child or minor child, AHCCCS must be listed as beneficiary in the second position after the spouse, disabled child or minor child.

AND meet all of the conditions below:

a. Was created using funds in a ROTH IRA, 408 or other employer sponsored plan; OR
b. Was purchased from a life insurance company or other commercial company that sells annuities as part of its normal course of business; AND
c. Provides equal monthly payments with no balloon, deferred or increasing or decreasing monthly payments (small differences due to changes in interest rates are allowed);
d. The annuitant is the customer or the customer’s spouse;
e. Is a “Period Certain” annuity that that will return the full principal and interest within the annuitant’s life expectancy as listed in the Period Life Table (from; and
f. The number of months that annuity payments will be issued should be less than the number of months of the person’s life expectancy (multiply figure from the Period Life Table (from by 12).


To learn more, view the AHCCCS Medical Assistance Manual 

Click here for Arizona Desk Reference PDF

Arizona Desk Reference

Divestment Penalty Divisor $6,726.48 – Maricopa, Pima, and Pinal Counties $5,575.29 – All Other
Income Cap $2,199.00
Individual Resource Allowance $2,000.00
Monthly Personal Needs Allowance $109.95
Minimum Community Spouse Resource Allowance $23,844.00
Maximum Community Spouse Resource Allowance $119,220.00
Minimum Monthly Maintenance Needs Allowance $2,003.00
Maximum Monthly Maintenance Needs Allowance $2,981.00
Shelter Standard $601.00
Standard Utility Allowance $271.00 (eff. 10/1/15)
Resource Allowance for a Couple (Husband and Wife both reside in a facility) $3,000.00
Last Updated July 1, 2016