I live abroad. My monthly salary has been deposited directly into my bank account in Colorado for the past 17 years. Ten years ago, I added my 84-year- old mother's name onto the account, so that she can (occasionally) deposit a check for me, or to make a payment on my behalf. (While I have legal residency abroad, I use her home address as my "permanent" address, as I am not a homeowner.) I would think that since my paycheck would show that it is my income, that the money would be considered "mine." Could having her name on my account create problems is she attempts a Medicaid spend down, in case she needs long-term care? Is there any way to "claim" the account as mine, so that it doesn't look like it is part of her assets? I am saving to by my own house, so this is my life savings. She keeps NONE of her own money in this account.