My 91 years mother has dementia and is in a nursing home under Medicare Rehab. She has $5000 life insurance that I need to cash out and pre-pay funeral expenses in order to apply for Medicaid when the rehab days runs out. Insurance Company says I need DPOA to do this. I also have to apply for Guardianship according to the nursing home. She has only been out of the home for one month and we never thought she wouldn't be able to live at home. I'm lost at what I should be doing first.