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My husband and I looked into this over a year ago. My memory is hazy, but I believe in Mass. (I know your dad doesn't live in Mass., Sue) you can have $2000, plus a house and a car. THat's it, and I'm not kidding. One cannot shelter assets except (maybe) by extraordinary measures -- e.g., a trust. Lawyers tell one to "spend down" by spending money on the house, buying a brand new car, etc. Medicare pays nothing -- one is trying for eligibility for Medicaid. It's very grim. I would definitely recommend seeing an elder law specialist. BTW, they charge around $3000. I got a book called "How to Protect Your Life Savings from Catastrophic Illness" by Harley Gordon (an elder law specialist). It explains a lot of this. Libraries have it. Good luck, Sue. Let me know if I can help. Delda White, CG Bob 66/1 ([log in to unmask])