Help. My mom is 81 and in poor health, probably needing a nursing home soon. Her son, my brother, just died and left her as the sole beneficiary of his 100K life insurance, completely leaving out his son. This was due to my nephew being 14 at the time the policy was purchased. He is now 28. Is there any way my mom can give my nephew a large portion of this money, which he deserves, without being penalized when she applies for Medicaid? In Louisiana.