My mother was recently approved for Medi-cal and is in a long term care facility. Her husband will be going into long term care soon. The house is still being paid for, and her husband pay monthly IRS payment for back taxes owed. If all funds will be going to the nursing home, how do I address their current bills? Mainly, I'm worried about the house payment and life insurance premiums. Won't be able to pay them if all of the parents income will go to the nursing home for Medi-cal share-of-cost. Do I try to cash out the insurance policies and keep the money for burial costs? Do I contact the mortgage holder and tell them my parents can no longer pay because of the need to pay share-of-cost for Medi-cal? I'm not sure how to proceed once my parents are both in a safe environment. Appreciate any insight and suggestions. I live in California, if that matters.