This is a very lengthy but detailed perception on how to handle elder people's finance. Very spot on. What others don't seem to understand is that you cannot put your hand on hot money just because one is living in a nursing facility. Nice. Nice.

Can I have a favor, though? My mum bought an insurance policy on Complete Long Term Care and since I cannot read between the lines of these formalities and numbers, I cannot say if I'm against it or not. Please, please, please.

The links not readable so I think it is safe to just leave it here, right?

After acting as a caregiver as well as having a fulfilling career, I find myself concerned about "losing it all" financially if my spouse takes a turn for the worst and ends up in long term care. After years of savings and hard work, this upsets me greatly. He can not get LT insurance at this point. What do I do?