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The amount is over the $2K limit for Medicaid. Most of the bank assets are mine because she gets a small amount from SS.

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Talk to the Elder Lawyer. In Florida, a person with Medicaid is able to have up to $2,500 in a savings account (with no interest gathering and only in her name!), for the specific purpose of funds toward burial expenses.

This account can have you as the beneficiary as you will need to spend it once she passes. This account can exist even if she has already completely prepaid her funeral costs. The remaining funds will go to the beneficiary, not to Medicaid.
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if her name is on it - it will be counted as an asset. work with a lawyer on how to untangle you both -
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