They don't trust the "institution". My parents are slowly deciding that they need more help than what Home Health, me, my daughter, my brother and his 2 daughters can provide as far as caregiving. They can afford to pay for assisted living. They are not veterans. They don't qualify for Medicaid. They only thing holding them back is that mom is afraid the assisted living facility will take over all of their assets. Even if they can afford to pay on their own, will these places still ask for their financial information?