Mom is currently living in a retirement community in their independant care section. She leases her apartment, When she moved in she couldn't afford to buy into the Life Care program which would afford medical care etc.... until she dies. As an option we took her money from the sale of her home and invested it into annuities that would at least assure montly payment to assist her with her rent. This has worked out well up until this time. Now, Mom is requiring assistance and we are looking at moving her into a assisted living or personal care facility but are finding this to be much to expensive for her budget. It was during a conversation with an elder care attorney that he brought up the idea of a Medicaid waiver. The big question at this point is, does the annuity count as income. I appreciate any light you can shed on this matter . Thanks in advance.