Relative transferred money into his own account and into his business. Took allmost $70,000 over a 2 yr period and ended up putting account into $2000 negative balance (overdraft protection). This looks like gifting or hiding assets to MedicAid. Have been working with bank who says accounts are insured but they are slow and don't return my calls. I think Mom's chances of getting MedicAId are screwed. I don't think she'll live another 5 years to achieve a good "look back" period.