I completed the paperwork for my mother's Medicaid nursing home application and the annual recertification last year. She has three life insurance policies. I did not realize that they had a cashout (surrender) value until just the other day. I checked on the requirements in California and found that the amounts exceed MediCal's limit. Now, I don't know what to do. I'm afraid of alerting them to the mistake and afraid of them finding out on their own. Should I just cancel the policies? Thank you.