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Many thanks for all the input & questions of concern.

To answer some questions. Dad is 90 & Mom is 88. Dad took out a Long Term Care insurance policy in 1993 with a 90-day deductible period(with premiums waived when once used), of which Medicare helped pay 100% for 20 days, then 80% up thru day 70. That's why the nursing home for Mom...his long term care does not cover in-home care at $25/hour.

Right now, in my parents home state/county, assets need to reach $14,000 my parents qualify for community resources...and then there is a waiting list. My parents are not quite to $14,000 yet.

If Dad's house were to be sold, finding alternative living arrangements for him would be challenging, since he doesn't want to sell the house that he built. Dad is not nursing home material, but fits the assisted living setting. It just seems easier to get a reverse mortgage loan versus selling his home & then attempting to find a single facility to accommodate BOTH Mom & Dad's needs. Currently, Mom's nursing home facility does not have an Assisted Living wing...and I would hate to have them live in separate facilities, whereby visiting one another would be difficult.

Looking for a keep-it-simple solution...perhaps there isn't one. I live out-of-state...and my elderly parents do not want to relocate with me, but would prefer I move to be near them---this is not 'doable', since I cannot afford to relocate.

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