A joint account was created with mom's savings approx 20 years ago naming my 2 sisters, my mom and myself. This is her only investment. Subsequently, 2 and 1/2 years ago, we removed moms name from this set of investments. We are now facing a possible admittance into a nursing home. When we apply for Medicaid, how much of this approx $225,000 is "exposed"? 100%, 25%? we live in PA. Do we need a lawyer or can the Application be done ourselves?