It seems that you are financially set for retirement, but not for a long term health problem. We are never assured that we will not need long term care. You should purchase long term care insurance for you and your spouse to protect your assets. You can pay for the insurance for many years and still be ahead of the game when you need to go to a nursing home for care. Buying long term care insurance is the responsible thing to do instead of finding ways to have someone else pay for your long term care. You didn't indicate your ages, but should be able to purchase insurance unless you have many health problems.
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