We have applied to VA for aide and attendance for my dad who has dementia and is in his 90's as is my mom. They moved into assisted living earlier this year and we have recently sold their house. The proceeds have been set up in a separate savings account while we spend down their checking account. My question is; should the savings account be set up within a trust? I was told repeatedly during the VA fiduciary interview that VA does not look at trusts. Is it too late to set up a trust for this money?