So, here is the deal. My grandma has an annuity and made me the beneficiary. She also has a pretty good bank account that my stepmom has POA on. Grandma and POD on bank account (my father died last year) it was all the POD and POA in his name then reverted to her. My question is can stepmom cash in annuity to pay grandma's health care before using the bank account that would go to her? We're in Oregon.