My 89 y/o father-in-law's only asset consists of a checking account which he owns jointly with his two daughters. We are in the process of applying for the A&A benefit. Although all three names appear on the bank statement how do you recommend we make it crystal clear to the examiner that he owns only 1/3 of the amount on the bank statement, not all of it? For example, the bank statement shows cash of $102,000 and he only owns $34,000 of that amount. Would a supplemental letter from the bank be helpful? In addition, since he is only nine months from his 90th birthday can he still request expedited handling? As so many others have already said, thank you for your help.