I'm posting an answer for a change. Just before Mom passed on last week, I visited a very good, compassionate, and helpful eldercare lawyer because we had reached the end of a trust fund for her care and I thought it was time for the Miller Trust and the Medicaid application. Well, turns out we will not need to do it after all, and it cost $350.00 but I learned a few things about Medicaid spend-down and paying for care. I had thought my mom's funds from Dad's life insurance were exempt from spend-down but it turns out they are not. They are exempt from estate recovery ONLY if there is no living beneficiary. If I had known sooner, I could have done something more intelligent with the insurance funds, which of course are now frozen and awaiting all the paperwork for beneficiary distribution. etc, so I am in a short-term bad spot with some final expenses that weren't pre-paid. I should not have been such a cheapskate procrastinator and should have visited a lawyer as soon as I found out the one my parents had for their estate plan didn't know beans about Medicaid.