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Debbie, I got an idea, do not know if it would work in these cases, but here it is: Assumming the people involved have a home with a mortgage balance, if they paid the balance off to the extent of the cash they want to "spend down" let's say the balance is $98000.00, the folks have $100,000 in the bank they send that to the mortgage holder, and have $2000 left over, allowing Medicaid to kick in for the nursing home care. NOW, in order to have some living money, take out a REVERSE mortgage on the paid off house, which would be set up to supply income on a monthly basis. I don't know if this is feasible, or legal, I look to the experts in those fields to answer that. I do not think it is right for people who work all their lives to be punished for saving and investing to assure their future, and then not to be able to get the benefits that are taken for granted by people who do nothing to help themselves all their lives, and just expect handouts! By the way I consider myself a Liberal, and have no problem with government helping those who do need help. I am also not talking about the priveledged few who can well afford whatever care they need, and are trying to shelter their fortunes, and take advantage of loopholes. I hope I have not alienated too many people today, in trying to be helpful! [log in to unmask]