Life insurance policy payout

My dad recently passed and my mom (76) received a $200k payout from one of the policies he had in place. She receives little social security and also will continue to receive partial social security and retirement funds my dad was receiving. This $200k will essentially be used as supplemental income to close the gap due to reduced SS and retirement funds. Since this won’t be used for future retirement, my gut feeling is to just put this in a HYSA and do monthly withdrawals. Are there any other instruments I should be considering that would minimize the tax burden? Basically if she withdraws less than $1k a month given current HYSA rates, it would last ~15-20 years without tax implications considered.

Thanks in advance!