My mom passed a couple of weeks ago and had been 3 different nursing homes over the last 2 years in New York, my father had a reverse mortgage on their home in New York which mom inherited after he passed 7 years ago, medicaid was needed to pay nursing home bills for mom, I am one of 4 children, my brother was living with mom the entire time before she went into nursing home [well over 15 years including when my father was still alive] and bother had DPOA for mom sinse fathers passing. Doing my best to supply most relevant info, there is much more details twists and turns, so what i have read on this site so far is that bank will go after repayment of RM within 30 days [RM for moms home is apprx. 340K. market value of home is apprx. 600K] and that medicaid will want repayment of 2 years when mom was in nursing homes apprx. 250K. My question is after bank recoups its 340K after it moves to foreclose on home there will still be 260K leftover if they get 600K for it, will bank have responsibility to repay medicaid or is it on executor of her estate to pay? remaining 3 siblings [myself included] have been kept in dark by brother as he had DPOA over the years, he also still is living in moms house and he may be disabled on SSI, so as I had been reading also on this site that because he had been living with mom for more than 2 years before she went to nursing home [I suppose he would have to prove he was "caregiver"] and he could be disabled [not sure] but if these 2 points are true, would either one of these points or both be under the "Exemptions" part of MERP in which the 2 years of nursing home payments would not be pursued which in turn after all other outstanding debts were paid would the 4 heirs [siblings] split the remaining amount? Or, is the point moot because those Exemptions would only be valid if 'reverse mortgage' did not exist and brother was living in home?