How to pay for care for someone with memory issues?

I disagree that LTC facilities expect every asset to be cash liquidated and proceeds turned over to them in advance of services provided. I also disagree that the LTC facility will do the Medicaid application after assets are spent down. These are misleading statements. Medicaid has a maximum level of assets for a person to be eligible for care. I understand that the cash value of a whole life policy would be counted as part of assets, but that's easily handled by cashing it in, using part for a funeral trust, and using the rest to private pay the facility for as long as the funds last. If the perspon has a house, even though Medicaid allows them to retain a house and car, they won't have any income left after paying their share of cost to the facility to be able to afford to maintain the house. Therefore, it's usually best to sell the house to private pay for care until the person meets asset eligibility for Medicaid. Many facilities want a person to private pay (often for 2 years) before going on Medicaid as they have a limited number of Medicaid beds. People are not required to pre-pay for services from their liquidated assets, just pay month by month. In addition, it's not necessarily the norm that the LTC facility itself does the Medicaid aplication--it's better done by a family member or POA who is familiar with and has access to the person's financial records. From what I've read here, it's not a good idea to have the facility do the application as there can be errors that hold up the application. Some do have knowledgeable people who can help with the application, but I wouldn't count on it.