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Message: <blockquote data-quote="dennishoddy" data-source="post: 4125644" data-attributes="member: 5412">Bingo! Congrats. Here is something that your mom did, my MIL did, and now we are doing is to get the insurance. If a person has to go into a nursing/rehab facility for long term, they have to sign away their assets to the nursing home to cover expenses if there is not enough cash to cover it. We know folks that have lost their farms, homes and everything they own for an extended stay in a facility vs being able to pass it along to their heirs. I'm covered as a veteran, with military facilities, but the wife isn't. We started the insurance several years ago. Wife's mom was in assisted living for 6 years, her husband was in memory care for 4 years. There were no out of pocket expenses with the insurance paying 100%.</blockquote>