My dad is 80 and has Alzheimer's. My mom is 72 and has been his caregiver the last 3 years. It has now gotten so bad that she cannot do it any longer. She applied for Medicaid, but was denied because they have life insurance. Can that be considered an asset? The only real asset they have is a car, the property they are living in was my home before I got married. The income they get with SS and retirement is not enough to pay for a NH. What are her options?