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Rayilyn..... I am a PWP.....have been for 20 plus years. I have also been the caregiver....and will probably wear both hats again. As far as costs for a nursing home.....it is expensive. My mother received her social security as well as black lung benefits for widow.........we sold her home and most of her furnishings. She was private pay for her 3 1/2 years in the nursing home....and it cost "her" about $3800 to 4400 per month.....about 1/3 of which was her income from ss/black lung. However, she had no car, insurance, housing, food costs etc. My sister and I covered her clothing and incidental needs. Nursing home costs vary considerably from state to state......in MN the top fee was as I recall $139/day.....in IN it was closer to $190 (wonder where your tax dollars go??). Independent living is wonderful if you do not have dementia. ---------------------------------------------------------------------- To sign-off Parkinsn send a message to: mailto:[log in to unmask] In the body of the message put: signoff parkinsn