Just had to cash in ins to pay funeral exp and still 2k over. I have been primary caregiver for 13 years and since 2011 have been POA and responsible for all shopping, bill payments, home repairs, doctor appointments etc. She has been hospitalized for 4 surgeries since Sep 2011.Her cash is almost gone and I just cashed in an insurance policy to pre-pay funeral expenses.We have kept her in her home the last 15 months with the help of my son and hospice. She has qualified for Extra Help/ low Income Subsidy for Medication and now trying to qualify for Medicare Qualified Medicare Beneficial (QMB). Cash assets must be less than $7160. Can I back pay myself for $2000 for care giving, home maintenance travel expense etc. I probably should have been doing this on a monthly basis, but I have been trying to stretch her cash and income over the last 13 years.