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She is in a VA facility in PA.
I'm POA
My deceased father is listed as beneficiary
The yearly dividends are reported to the IRS
She pays her rent with her pension and social security
she has supplemental health benefit that she pays for
she has part A and B Medicare
she does not have Medicaid
funeral/burial all paid for
Will it make a difference if I become the owner of the policy?
Thank you for your help.

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Ok, thank you, I didn't think that would be a problem since I'm her daughter. Let's say I'm beneficiary. Is the money legally mine or not?
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See a lawyer, because there will be snags if it is payable to a dead person. Even if you became owner, you still need to change the beneficiary from a dead person to a live one. As POA it would be a conflict of interest to make yourself a beneficiary or owner. See the attorney.
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