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IRAs:    
An "IRA" is an individual retirement account that you maintain at a bank under special rules that allow you to avoid income tax until you are retirement age. Tax laws impose a financial penalty for early withdrawal of IRA money, but this fact does not prevent such accounts from being considered countable assets under Medicaid rules.
     
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Keogh Plan:    
A Keogh plan is like an IRA, but it is operated by your employer. Like an IRA, a Keogh incurs a financial penalty for early withdrawal, but this fact does not prevent it from being considered a countable asset under Medicaid rules.
     
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Pensions:    
Your pension fund is countable as an asset only to the extent that you have the right to remove the funds as a lump sum. If you do not have this right, your pension payment is income, but the fund itself is not a countable asset.
     
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Annuities:    
Like a pension, an annuity is countable only to the extent that you can remove the funds as a lump sum. Very few policies give you this right after they have begun to pay out monthly amounts, but you should read your policy carefully to see whether and to what extent it can be cashed out.