(Medicaid applicant’s transfer of house to children with reservation of life estate is disqualified transfer resulting in transfer penalty; deed to house transferred to children in 2003; life estate reserved via separate deed in 2009 which purported to correct error in 2003 deed; later in 2009, Medicaid benefit application filed on transferor’s behalf; state determined that transfer was of an uncompensated joint tenancy and imposed transfer penalty; lack of evidence that 2003 deed intended to reserve life estate, so 2009 deed did not merely correct clerical error).