She does have a Long Term Care policy that only covers a fraction of the daily cost. She also has a pension. She took out a reverse mortgage but there's only $100,000 left to access. She does have equity in her home but her total reverse mortgage with the equity line she's accessing is $400,000. I don't know the rules of reverse mortgages. Can she refinance? If she can't access equity in the home or can't refinance the reverse mortgage, are there suggestions other than a skilled nursing facility? I need some assistance. I'm her niece and POA. Any help is really appreciated. I'm checking out skilled nursing facilities and possibilities of selling her home, but I know she'll fight me on it. Thanks for your help.