Mom is currently in a Psychiatric Facility. She cannot return home at this point. Possible Dementia onset. Doctors recommending Nursing Home. At this time, we agree. She lives in Pa. We are in the process of applying for entrance to a county nursing home. Under Medicare - with the thought of "spending down" to meet Medicaid Eligibility. She earns $2110/ Month. Has about $18 to $20K in savings. Has 2 Paid Life Ins polies worth about $8 K. She owns a home worth between $75 to $100K. Owns an old car worth about $2K. That's it. We've prepaid for her funeral arrangements. Her children don't want anything from her, just that she's well taken care of. Oh, one kicker...There's an outside chance she can recover and go home. But we can't be certain. Met w/ a Lawyer who wants $13 K for "planning" which includes: Setting up an Annuity for 1/2 of her house's worth and a Trust for her children for the other 1/2. We then can use TIS trust to pay for anything for Mom that Medicaid does not cover and for her Medicaid Look back Penalty period. Very confused. 1) Do we really need a Lawyer? 2) If we are going to end up spending all of her assets on her anyway, cant we just let the "Medicaid Spend Down" process take its course?