Reverse mortgage is convertible to lump sum with $23K available during 1st year. Should I put this lump sum in his account knowing it will disqualify him for Medicaid coverage for a time? Will be used to pay ahead on insurance and utilities to keep house usable for a year, and to pay for nursing home until he spends down to amount which Medicaid will cover him.. If not, when Medicaid takes all his income for nursing home care and he cannot maintain insurance coverage on the house, the reverse mortgage lender will foreclose for not paying insurance. Can I use the proceeds to keep house livable if he has intent to return? Thanks for any advice. Home is in Mississippi.