Have read 24 answers and I am convinced an attorney is imperative, however, have been able to glean some things from the comments. All in all, this is a scary situation knowing you saved for the rainy day and then find out you could be penniless just because of one persons illness. So can anyone out there add more answers . I don't need repairs could do with a new car..but if you spend on that you have less to spend on care. I am trying not to panic and I do have an attorney who drew up the trust & POA's I am just hesitating to bother him.