Talking about being scared ... We are afraid of many things, but none more than of being destitute. We am not wealthy but we are not indigent either. We care for our 85 year old mother. Mom has a bank account, but again is not wealthy. Together between her funds and mine we are planning a financial future. Mom's health is currently fair but who knows what the future holds. What happens if something awful happens to mom and she needs to live in an assisted facility. Since mom has her own assets, we are terrified that instead of utilizing Medicare her assets will be seized. That will leave us (myself and my sister who live with our mother in a financial crisis. We don't know what to do and are getting sick (should I say, we, my sister and I are getting sick) over this. How do we survive if we have an assisted living facility draining funds? It is only togehter that we all will survive into the unknown future. My sister is out of work (years now) and we use mom's assets to pay for her health insurance. I work and we use my assets to pay the mortgage and all other expenses. Together we are just making it. Separate, we will lose everything. We have no other family and very few friends who are also in dire straits. Can't sleep at nite anymore. Worry all the time. The only option we could think of is that mom would not be able to go into assisted living and we would need to do everything at home. This for us would not be a problem, but we worry if we are not capable or knowlegeable to handle the problems that may be needed to be addressed. Or what if mom needs special therapy or the use of equipment. We hope and pray this does not happen, but what if. What if the worst is to come. I sometimes think mom will survive me because I fear I will drop from the anxiety of it all.