My brother has lived there for at least 15 years and taken as good care of her as he could. She is now in a memory care unit. The battle to get her LTC insurance to pay is constant. And even then, there is about 2 year's worth at maximum payout. She is about 6 months in. When the time comes for spend down and Medicaid application, is there some rule or protection so that my 70-year-old brother may remain in what is his home? I am POA and wish I could transfer the deed to my brother and myself jointly. I could surely use an attorney's advice. But the one time I checked, the elder law firm charged $350 just for a consultation!!