One new article each month on funding long-term care — written in plain language and reviewed by George A. Mellendorf, 45+ years in long-term care insurance.
Most families don't rely on one single source to fund long-term care — they layer two or three. Here's how the ten funding pillars typically combine in practice.
Read the article →How Medicaid Asset Protection Trusts work, the five-year look-back rule that governs them, and who this advance-planning strategy actually makes sense for.
Read the article →What carriers evaluate during long-term care insurance underwriting — the health questionnaire, phone interview, medical records request, and rating classes that determine your premium.
Read the article →Long-term care insurance and disability insurance solve different financial problems. Here's how their triggers, benefits, and timelines actually compare.
Read the article →Why Medicare, Medicaid, and private pay treat assisted living and nursing home care so differently, and what that means for a family's funding plan.
Read the article →How Medicaid's Community Spouse Resource Allowance and Minimum Monthly Maintenance Needs Allowance protect the at-home spouse in 2026, with this year's dollar figures.
Read the article →How Medicaid estate recovery works, which family members are protected, and why the rules for what happens to a home differ sharply by state.
Read the article →Practical ways to open a long-term care planning conversation with aging parents before a health crisis forces the issue.
Read the article →Twelve questions. About four minutes. A shortlist ranked for your specific situation.
Enter your name and email to start — answers pull straight from the articles already on this site, reviewed by George A. Mellendorf.
Answers point to existing pages on this site and are educational only — not legal, financial, or medical advice.