My mom age 72 has a pension and ss income of 2186 monthly. DOes this make her ineligible for Medicaid? . She has Alzheimer's and we are transferring her to a memory care home. WE have been able to have her in an assisted living without spending her savings but now the price of care doubled! She also has assets of 70k which we will spend to help cover costs and a life insurance policy with face value of 50k, which also seems to complicate eligibility for medicaid. SHe lives in TX and has no spouse. Is there any advice about how to spend down money even with lifetime annuity that she received as part of her retirement? I ve asked about taking a lump sum but that is not allowed. Or is private pay our only option long-term?