Q. My husband was on Medicaid, ended up in a nursing home and died in January 2022. I received a letter from Medicaid saying his life insurance policy, which was about $47,000 and had a cash value of $3,800, had to be surrendered. They said I could have given it to the funeral home, spent down the money for his expenses, had my husband put the policy in my name (which would have made me lose my Medicaid) or surrender it to Medicaid. I used it to pay credit card debt and I’m left with nothing. Was Medicaid right that I should have turned it over to them? — Widow A. We’re sorry to hear about you…