We had been working with an elder care attorney because three years ago my mom bought my niece a car, she tried to sneak and do it, but it was too obvious. We told her not to, because we knew she’d need a nursing home within 5 years. She was diagnosed with dementia just weeks after buying the car. Okay, 1st attorney told us there would be a three month penalty, to set aside money in irrevocable trust or annuity that would pay nursing home through the penalty phase. For reasons I won’t get into, we had to find a new attorney. Met with him today. He hates annuities, said she wouldn’t be penalized, and has this expensive plan that we need to follow instead. I am SOOO CONFUSED!!! ALL I want is to get my mom in a nursing home and me NOT have to pay the bill!!! Mom requires 24\7 care and is wheelchair bound, can’t even stand at all. Today, when I was trying to explain to Mom that we had to have a plan for her going in the nursing home (we’ve talked about this before) and I was telling her about the new attorney, she told me she’s not going to the nursing home because one of her caregivers promised she could come live with her and she’ll take care of her. And why didn’t I tell her NOT to buy that car in the first place? <sigh> I’m calling the caregiver now and telling her she can come take mom home today!