If  you receive a large inheritance, you will probably be rendered ineligble for medi-cal purposes since you will have more than $2,000 in countable assets in any given calendar month.   If you have a bona fide disability and are under the age of 65 years of age, perhaps your mother could create a third-party special needs trust for you while she is alive so that you future inheritance would not be a countable asset.  In other words, the inheritance would not have an adverse impact on your medi-cal benefits and the trustee of the special needs trust could supplement your benefits with the use of the trust funds.