My mom finally has Medicaid and the SD waiver program that pays for her home health care. I was dwindling her assets, and somehow her social worker got everything pushed forward. Well, I cashed out a life insurance policy for $14K and I don't know where to put the money. My dad and mom share an account, but could I find a way to put the money in the bank under my dad's name so her Medicaid isn't affected? Most of the $14K will be spent really quick, but I also want spending/emergency money for my dad who is NOT on welfare of any kind.