For Medicaid qualification purposes, I have cancelled two of my parents life ins policies with plans to deposit the pay funds in a death account, however Banks give me a blank look and the run around to all of their vast customer svc depts because nobody knows what I'm talking about even after explaining the intent. I'm told to get the help of an attorney to create a trust. I really thought this would be simple but why would I think that! Nothing about aquiring care for the elderly is what a shame! Is there a simplier process for saving this $1,200.00 each towards my moms and dad end of life needs w/o their Medicaid being jeopardized? I'm sorry for sounding sour; I not only appreciate this forum, I really need it. this site keeps me on even keel EVEN when I feel like I'm falling off the earth.