I am near the end of my father's funds for self pay at his NH. He lives in New Hampshire and MUST be below $2500.00 at all times. Small life insurance policy is approx $3000.00. I was just informed that this would keep him from qualifying for Medicaid. I can make the State the beneficiary, but I don't want to do that. I would rather "spend" the money on him, however, if I cash it in now, it will be worth less than the $3000.00. I am so frustrated with this process. It just seems so unfair to a man who paid into the system throughout his life.