My mother is on Medicaid in a nursing home in NY. My father was estranged (not legally separated) and in NC under the care of my sister. He passed away Dec. 2015. He had 3 life insurance policies. All 4 children and mom were named as beneficiaries and funds were dispersed. Medicaid is now re-certifying mom's medicaid. Are the insurance awards paid out to the children considered in the 5 year look back formula? Will the children be required to hand over the insurance money to Medicaid? I have been unable to get an answer from Medicaid, which has become the norm in this whole ordeal!