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Note - it is important to choose a care facility that will allow private pay patients to stay when they outlive their assets and their care needs to be covered by Medicaid.

In this regard, my parents both retired to Wesley Acres ( while they were hale and healthy, knowing they wouldn't be later. This is a facility into which they bought with their savings; I don't know if they take straight-up Medicaid patients, too. The facility has both regular living apartments and hospital facilities including a section explicitly designed for Alzheimers.

They also made use of the Miller Trust, which I think is a Federal program with State-determined details. The Trust let them sign over all of their assets to Iowa, and Iowa's Medicaid program picked up their remaining costs. They got their money's worth. They moved in just before Dad's Alzheimers became overtly noticable, and he died 20 years later (as another mentioned in this thread, dementia patients can live awhile) at 96. Mom died a few short years later at 103.

Perhaps there's a similar facility in OP's parent's State worth considering.

Eric Hines
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