Bumping this up. I hope others have some insights on this.
My guess would be no. Divorced mom is just a beneficiary on the IRA in the event that he dies before using all of it, your father is still alive, and he and she are divorced, so I don't think her assets could come into it at all.
No, being a beneficiary does not. Although, he may have to deplete this in order to pay for LTC or medical bills. Quite possibly there will be nothing left anyway.
My guess would be no. Divorced mom is just a beneficiary on the IRA in the event that he dies before using all of it, your father is still alive, and he and she are divorced, so I don't think her assets could come into it at all.