My grandfather was in nursing home care for three weeks. He had used up his 20 day Medicare paid nursing home care a couple of months before so they started the Medicaid application process. He died suddenly before he was approved for Medicaid and his approval is still pending. Now the nursing home is billing me for his time there. He had a whole life insurance policy and I am the beneficiary of the $8,000. The funeral expenses will come out of that and the nursing home is telling me that they will get the rest. I'm still waiting on the check to come but now I'm confused about my rights. Can Medicaid or the nursing home take the life insurance from me? He had no estate (nothing of worth) and no probate has been opened so most of his hospital bills have just written them off. I'm overwhelmed and confused.