Personal Finance and Investing

It is clear you're not sure if you're asking a forum questions. This is tricky stuff especially as most folks don't live to tell the story afterwards. If you both can't afford 10-20K a month each in Nursing home costs for any period of time you need to at least get a look over of your situation from an Elder Care Attorney and then an accountant about tax implications of any adjustments. My Mom had a Long Term Care insurance policy that I am still fighting to get paid out. And this isn't like where to move to or such, when the need comes it will be immediate and it will be chaos if you both need care at the same time. This is very different than basic health care insurance, and it is similar to how health insurance doesn't cover dental care. I only became aware of this at first as I work in a field with lots of clients on disability and the rules are similar but different enough to not be easy to understand at first.