When my Mom runs out of funds a Nursing Home w/be the only optioShe does not need long term care yet. The long term care facilities in our area are mostly semi private, shared toiliet and assisted showers 2 times a week. She will hate it. And it costs more than the Assisted Living where she has a private room with a private bath (including shower). It makes no sense. While it is hard, I am willing to use all of her funds for her care (she would be outraged, if she knew how much is spent each month for her care), but once out of funds she will be living like a convict.