One more thing that comes to mind as I read these posts, there are a lot of people here who are in the Autumn of life and an entire industry exists with it's only purpose to separate you from any wealth you might have accumulated. There is a lot of discussion on this board about leaving guns behind and who gets what once they are pried from your cold, dead hands. But I don't see a lot of talk about what is going to happen with that home you worked so hard to get or that nest egg that you have been tending for most of your work life. My point is, find a good estate planner and drop a couple of bucks to have them set up trusts and whatever else you need to keep the nursing home from getting it at the end. Don't wait. A lot of what they will do has to be in place for certain time periods before it kicks in. No one likes to think about it but when it gets to that point, you might not be the one who gets to decide these things. Trusts and shelters are not just for the wealthy.