Spend down. My parent is now living with one of my siblings. I have POA and the sibling is my back-up POA. I was talking to our parents elder law attorney, who mentioned something to me about spending down our mother's money so she could qualify for a Medicaid waiver. I'm not sure I like the sound of that? She's got over six figures in the bank and I don't want to give her money away, especially to the other siblings that do NOTHING for her. And my family was never a low income family - so why would I want my mother to have a Medicaid waiver?