My mom, 55, just lost her husband (my dad). Shes receiving SSI disability (not SSDI) and survivors bemefits for my 15 yr old brother. She just received the deposit for my dads life insurance, $30k and now bank is telling her she has to put the money in her account. However, she wont qualify for ssi if she does that right??. The 30k is to supplement the ssi because shes only receiving 1400 a month (will go down to 700 when my brother graduates) and she can not work due to medical reasons. Theres no way she can survive on 700/month, but everywhere I look says she'll lose it. Help!!! Any way to avoid this?