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When we were putting grandma in a nursing home last year, part of the spend down was to open an annuity for my grandpa (community spouse). We had to list the State of Connecticut as the primary beneficiary and I am the contingent beneficiary. Grandma has now passed away, can the state still take the annuity once grandpa passes? Should he change the primary beneficiary to myself?

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You can probably get better answers at www.bogleheads.org, a financial website.

Who gets what probably depends upon how much Medicaid is paying for grandma's care.
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Jennv, annuities are complex financial instruments, and not easy to decipher.   Have you raised these questions to the institution that created and sold the annuity?   They would have more appropriate answers than we, as we haven't read the terms.   

I would contact the broker or whoever sold the annuity and make an appointment to discuss these issues.   If that doesn't work, I would do good research, find a good elder law attorney or a firm, and ask for a professional legal opinion.

Honestly, the best way to address your questions would require reading the annuity itself.
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