I had a job in a lender where I had to ring up each year to see if they were dead. i would pretend i was asking about their insurance and they would get angry and say I told you.

well it depends on if it was my house or the person going to inherit the house

They can pass the home on but it will have a very expensive mortgage they will need to refinance. For most people it isn’t worth the cost. You must be over 62 and the older you are the more you get a month. If you have a mortgage some goes to pay that off. The cost of the mortgage is about 15K plus you are borrowing every month and paying interest. You can only borrow on about half the equity. So if you were 70 and decided to take one you would have the cost plus what ever you borrowed. When you are 75 you might decide to downsize. When you sell the house you have to pay back all that borrowed money. You might not be able to buy a new home or might not sell for enough to pay off the debt and live on the money from the house.
If you are elderly and determined to stay in the home until carried out feet first and need money for medicine it might not be a bad idea.