            Case: 14-10923   Date Filed: 10/03/2014   Page: 1 of 5


                                                      [DO NOT PUBLISH]



             IN THE UNITED STATES COURT OF APPEALS

                     FOR THE ELEVENTH CIRCUIT
                       ________________________

                             No. 14-10923
                         Non-Argument Calendar
                       ________________________

                   D.C. Docket No. 0:12-cv-62233-WJZ



CARLOS KOSLOFF,

                                                            Plaintiff-Appellant,

                                versus

COMMISSIONER OF SOCIAL SECURITY,

                                                           Defendant-Appellee.

                       ________________________

                Appeal from the United States District Court
                    for the Southern District of Florida
                      ________________________

                             (October 3, 2014)

Before HULL, MARCUS, and HILL, Circuit Judges.

PER CURIAM:
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       Carlos Kosloff appeals from the district court’s affirmance of the Social

Security Administration’s (“SSA”) denial, in part, of his request that recovery of a

Supplemental Security Income (“SSI”) payment be waived.1 He argues that there

was no overpayment, because the money in his bank account that put him above

the SSI eligibility resource threshold came from a home equity line of credit

(“HELOC”), which should not have been counted as a resource because it was

actually a liability and because doing so ran counter to the Social Security Act’s

home exclusion rule.

       On judicial review, decisions of the Commissioner of Social Security

(“Commissioner”) are conclusive if supported by substantial evidence and if the

correct legal standard was applied. 42 U.S.C. §§ 405(g), 1383(c)(3); Kelley v.

Apfel, 185 F.3d 1211, 1213 (11th Cir. 1999). We review the Commissioner’s

factual findings with deference and legal conclusions with close scrutiny. Doughty

v. Apfel, 245 F.3d 1274, 1278 (11th Cir. 2001). Substantial evidence is such

relevant evidence as a reasonable mind might accept as adequate to support a

conclusion. Id. When the Appeals Council denies review, we review the

Administrative Law Judge’s (“ALJ”) decision as the Commissioner’s final

decision. Id. We do not address arguments not raised before the district court.

Crawford v. Comm’r of Soc. Sec., 363 F.3d 1155, 1161 (11th Cir. 2004).

       1
     Plaintiff-Appellant Carlos Kosloff’s motion to file a reply brief out of time is
GRANTED.
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      In order to be eligible for SSI, an individual living with a spouse must not

have resources of more than $3,000. 20 C.F.R. § 416.1205(b), (c). “Resources”

are defined as “cash or other liquid assets or any real or personal property that an

individual (or spouse, if any) owns and could convert to cash to be used for his or

her support and maintenance.” Id. § 416.1201(a). Liquid resources are defined as

“cash or other property which can be converted to cash within 20 days,” such as

“financial institution accounts.” Id. § 416.1201(b). Funds held in a financial

institution account are an individual’s resource if the individual owns the account

and can use the funds for his or her support and maintenance. Id. § 416.1208(a).

An individual’s principal place of residence and one automobile used for

transportation are not counted as resources. Id. §§ 416.1210(a), (c), 416.1212(a).

      The proceeds of a loan do not count as income for the purposes of SSI

eligibility. Id. § 416.1103(f). However, according to the SSA’s internal-guidance

manual, Programs Operations Manual System (“POMS”), cash provided by a

lender upon a borrower’s promise to repay in full counts as the borrower’s resource

if retained in the month following the month of receipt. POMS SI

01120.220(B)(1), (C)(1)(a). We have stated that “[w]hile the POMS does not have

the force of law, it can be persuasive.” Stroup v. Barnhart, 327 F.3d 1258, 1262

(11th Cir. 2003).




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      The Commissioner shall recover overpayments to an individual whenever

the Commissioner finds that more or less than the correct amount of benefits has

been paid. 42 U.S.C. § 1383(b)(1)(A). Recovery of an overpayment may be

waived if a claimant is without fault and recovery would defeat the purpose of

Title XVI, would be against equity or good conscience, or would impede efficient

or effective administration of Title XVI due to the small amount involved.

20 C.F.R. § 416.550. The claimant has the burden of establishing that he is

without fault for the overpayment. Viehman v. Schweiker, 679 F.2d 223, 227 (11th

Cir. 1982). “Although the finding depends on all of the circumstances in the

particular case, an individual will be found to have been at fault in connection with

an overpayment when an incorrect payment resulted from . . . failure to furnish

information which the individual knew or should have known was material.”

20 C.F.R. § 416.552(a).

      Here, the funds in Kosloff’s financial institution accounts were properly

counted as resources. 20 C.F.R. § 416.1201(a), (b). Kosloff himself described his

HELOC as a loan, and loan proceeds are counted as a resource the month after

their receipt. POMS SI 01120.220(C)(1)(a). Kosloff’s argument that equity in a

home is not a countable resource if the home is the individual’s principal residence

fails because his equity was not actually counted as a resource—the proceeds of a

line of credit secured by that equity were. Additionally, substantial evidence


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supports the ALJ’s conclusion that Kosloff was overpaid $1,178.38 in SSI benefits

from March to September 2010, Kelley, 185 F.3d at 1213, and Kosloff did not

argue below that he was not at fault as to the overpayments, so we need not address

that issue, Crawford, 363 F.3d at 1161.

      After careful review of the parties’ briefs and the record on appeal, we

affirm for the foregoing reasons.

      AFFIRMED.




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