5 days after mom's inherited annuity for 30k started paying out the required minimum of 3.8k, mom received this letter: STATE OF COLORADO "When you first applied for Health First Colorado you gave the Dept of Health Care Policy and Financing permission to use any data sources and interfaces to verify your info. Beginning Dec 2017 we will be using a new data source that will verify liquid assets in financial institutions (e.g. savings and invstmts) such as banks, credit unions, etc. I understand the Dept Will continue to get this info about savings and invstmts in my bank accounts until I no longer qualify for benefits, or I tell the Dept of HCP and F'cing in writing that it can't collect this info anymore. I understand that if I take away the Dept's permission to collect this info, I may no longer qualify for Health First CO programs that require this info. " My sister was ill, and recognized that mom needed the money to get out of her second-hand smoky subsidized apt, so killed herself so mom could move. (Not collection on accidental death insurance, just sister's retrmt) We intended to cash out the 30k as soon as we found decent house we could afford to buy. We felt safe waiting, bc we forgot that we didn't choose the option in which you get small increments every month, but the one in which you get a large sum at end of year. We thought it was that the small increments started at end of year. Then like a bomb, . . 3.8k shows up in her checking ! Then she gets this letter ! Mom raised 2 daughters alone and struggled financially for 47 yrs. She has COPD, not from smoking, but from breathing strangers smoke, and mold, in housing for 14 yrs. She has a fighting spirit, and a great attitude, but, . . we were both too stupid to know how to shield this asset, and want to know what to do now ?! Can't live with me. I have a roommate. I will live with her in the house, and make the mortgage pymts. She will have a garden. She will breathe unshared air, . .not attached to others.