My father passed away and was in the process of getting his will complete but did not make it long enough to sign it. There was money in his checking to be TOD to us three children and there was a life insurance policy that also name us as bennys. The division amounts to... approx $27K each. My brothers are under 55 years old and we live in the state of Ohio. Is this considered income and needs to be spent down? Does my father's home also need to be considered in the Medicaid recovery? One is high functioning and the other not so much. They have always lived with my parents and now my father has recently passed and I have the responsibility to take care of them. Can anyone help?