My aunt fell in the beginning of January and was hospitalized to make sure everything was okay. Her doctor said that her dementia has gotten too severe for her to live alone and that she needs 24/7 car. She is in a facility in the assisted living section. Was just denied for Medicaid because of around $2300.00 cash value on an insurance policy that puts her over the monthly limit of $1500.00 in Indiana. She never married, never had any children. Back in 2010 she planned her funeral. She had one policy for $1000.00 that she signed over to the funeral home and they now own that policy. The 2nd policy, she just changed the beneficiary to the funeral home, but she still owns it. I have a phone interview on Friday with the state to start the process of reapplying for Medicaid. No one seems to have any answers. Would greatly appreciate help.