My husband is on Medicaid and in a nursing home. He has PD as his greatest challenge and the majority of his monthly bill is paid by Medicaid. We both thought any balance of his TERM life ins. policy - which is substantial - would go to me, but someone told me that even though it has no cash value that Medicaid would take any balance as a kind of "payback." Is that correct or would it only pertain if it were a whole life policy?