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In my disabled nephews case, the annuity he gets from his late Moms government pension is considered income. He also gets SSD. My nephew received Medicare as his primary and Medicaid as his supplimental because he gets SS disability. I am assuming the 55 yr old is getting SSD so Medicare and Medicaid.

I don't understand the "buy -in" You don't buy-in to either Medicare or Medicaid. Medicare is automatic at age 65 and received before that if found disabled by Social Security. Medicaid, like I said, comes in as a supplimental to Medicare if again, found disabled by SS. Medicaid can also be obtained based on income.
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Is there a cash value to the annuity?
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