My mother has been paying for funeral insurance through Lincoln Heritage for about the last two years. She's on disability, has both Medicaid and Medicare and made sure they knew. Recently they changed it to a life insurance, which Medicaid may soon take as it has a cash value of about $2,000, and had me become the policyholder. Since the life insurance is still for her, can Medicaid still take it? We've looked into withdrawing it and going through the funeral home's insurance but due to the penalty we'd only get about $700 back. What do we do? Thank you in advance.