Annuities are considered unearned income. Lottery winnings received on a one-time basis are considered a resource in the month received. Lottery winnings paid over several years are considered unearned income.

Annuities and lottery winnings that are paid annually will be averaged over a 12-month period of time. Annuities and lottery winnings received less often than annually may either be counted in the month received or averaged over the certification period.