Dear Mr. Premack: My parents’ Wills left everything to the surviving spouse, and each Will named their three children to receive everything when both parents died. Mother died a couple years ago. Dad changed the beneficiaries on his life insurance policies to the three kids. My sister was killed in an accident a couple of months ago, leaving only one surviving son. When dad eventually dies, does his property and insurance go to my brother and me only, or does my nephew get my

Dear Mr. Premack: My grandma was eligible for Medicare and Medicaid, but owned property, etc. valued over $300,000. She died recently, and her Will left her estate to one granddaughter. Her only child was listed not to inherit anything and placed in a no contest clause. Who is responsible to pay for burial? Do the other grandchildren have a right to contest the will? – TSM It is not surprising that your grandmother received Medicare benefits (most Seniors do) but with assets

Dear Mr. Premack: My question pertains to my disabled brother who receives care at home through Medicaid. His only asset is his home, worth about $85,000, which he inherited from our mother with approval of all 8 siblings. Is there an advantage to taking out a reverse mortgage to give him supplemental income to pay for more caregiver hours? Medicaid only provides six hours per week, and he could really use care 24/7. Thank you. – SDR In earlier columns, I’ve stated that a rev