Reply #43: Not to sound ugly, but you sound beyond selfish.

[Shell Beau]

If your inheritance = your mom's money, then it should be used for her benefit. Period. After all, it is just money, and this is your mother. When or if she gets to the point of needing outside care, give it to her. Money is seriously the root of all evil. I swear it is. If it were me, it wouldn't even be a consideration. The system works for those who can't afford it, but it sounds like your mother can, so don't try to screw the system for your "inheritance" (which isn't yours until she dies, it is her's).