My mother has been diagnosed with early onset dementia at age 57.
I am 23 and have been working full time for a while now. I am using a bank account my mom setup with me while I was still a minor. I did not know until recently that this account is setup as a joint account with my mother, as every deposit made into it as been mine exclusively. Her name does not appear anywhere in my online banking UI.
My mom is poor and might be applying for medicaid soon. I obviously can remove her name from my account, but I'm terrified of them looking at my personal assets as if they are hers. The account and every deposit in it is exclusively my own.
How do I avoid her being penalized during the application period as well as avoid a ridiculous suit in the future against me to reclaim assets that are strictly my own and should have never had her name on them to begin with?