My mother is 77 and for years has struggled with weight, mental health issues, congestive heart failure and many other health problems. Her doctors told us she wouldn’t live more than a few years due to her poor health. She has needed increasing amounts of home care over the past few years which has been very expensive. Last year she moved into an assisted living facility and is getting much better care and her weight issues and many other health concerns have improved remarkably. Her doctors are now saying she may live much longer. She sold her house when she moved into assisted living. I see that the state where we reside has filial responsibility laws which require adult children to pay for the elderly parent’s care. Her assisted living costs are very expensive. How do we plan for the likely event of her running out money while living in assisted living?