How do I go about taking money out of annuities in case my mom has to go to a nursing home?

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I am the caregiver for my mom for the last year and a half. I am the beneficiary on all her policies. I was told the nursing home can take all her money.

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Her money is for her care. Not to be hidden and sheltered for your inheritance. If she needs to go into a nursing home and she has assets, they need to be used to pay for her care. Medicaid was established to help the indigent, not for those who can afford to pay for their own care.
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Reply to anonymous439773
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Mom's assets are for her care. Yes, it may spend her money with nothing left when she passes.
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Reply to gladimhere
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medinadeb454, kudos to you for taking care of your mom for a year and a half. Given that you are now beginning to think about her going to a nursing home, don't take any her funds, annuities or other, without first getting a a signed and notarized personal care agreement (PCA) in place. Here's a website to explain why a PCA is important and how to do it: https://www.agingcare.com/articles/personal-care-agreements-compensate-family-caregivers-181562.htm If it seems too complicated, then you may want to talk to an elder-law attorney. Best wishes.
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Reply to bicycler
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There is the Medicaid look back rule. If she needs care and goes on Medicaid for a nursing home, they will look back at all financial records she has had for the past 5 years. This is how they know you are hiding money. Most everyone on here will say get an elder law attorney and read up on the look back rules and check out all the posts here on hiding money. It's an eye opener!
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Reply to BootShopGirl
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There are many types of annuities and you would have to read the contract to see what your mom's contract rules are.
Separately, a nursing home doesn't 'take all of your money'. The resident, however, must pay the charges for services rendered. These services include: Room & board, nursing staff, aides, activities, housekeeping, etc. Presumably, your Mom has income and assets --- all of these can be used to pay for nursing home charges. If your Mom runs out of funds, then other services may be available to help. If Mom or her husband was a veteran, she may qualify for assistance. (Rules and articles appear elsewhere on this site). When someone is indigent and there are insufficient funds to pay for care, the government may assist. BUT first and foremost, the person who uses the services of a nursing home is expected to pay for his/her own care.
Hope this helps.
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