My aunt died recently and left 33k to my mother as a beneficiary of her pension. We are just starting to settle her estate, but my mom is also going to receive 1/3 of the full estate after probate. This could be anywhere from 50k to 100k. My mom is on SSDI and receives both Medicare and Medicaid. She gets very expensive chemotherapy treatments monthly and we can't risk her treatments being suspended if she is disqualified from Medicaid. I have looked into Special Needs Trusts, Spend-Down options, and some annuities, but I'm overwhelmed. She is extremely poor and we have been trying to get her into subsidized housing for years. We are thinking of spending the 33k on a downpayment for a small house/condo if we are forced to spend it down, but she has sub-par credit and I'm not sure if she can be approved in time. How can we set things up so that she can make the most out of the pension and be prepared for the later estate payout? Special Needs Trusts don't allow you to spend the money on rent/mortages/utilites etc, which is what she needs help paying the most. Is there another kind of trust or annuity that would let her use the money on these things without disqualifying her for Medicaid? If not, what is the best option to maximize her use of this money? I have already set up some consultations with elder law attorneys but they are booked until the middle of next month. I'm not sure what to ask for yet, hopefully someone can point me in the right direction!