In December of 2020 my sister split what was left of my mom's checking/savings account, my portion being 12,700 dollars. I am also on public assistance so I called DSHS to tell them about the money and they said no worries, it's an inheritance. I did not call Social Security as I find out months later I was supposed to. My portion of the 401K is approximately $64,000, and I need to establish a trust to get it ??