O.K. You asked serious questions about serious issues, and I feel very strongly about the subject. I live in Washington State, (beautiful place) but the laws in my state are NOT the same in your state. For example, it's NOT true that your parents cannot "gift" money toward the closing of the life. But, and this is very important, the rules of how much, when and how, are unique to your state.

Here's my adice: GO to the phone book and look up attorneys that specialize in "Elder Law." That's how it's listed in my state. Then, try to contact people, nursing homes are a good call, and try to get a personal referral on an attorney specializing in "elder law," that is GOOD!

Let me explain, I did this exercise. The first four I called wanted $1,200 for me to walk in the door. True! But, I lucked onto a caring attorney who had his hat on straight. I spent dollars for two appointments, wherein he explained the state rules and regs regarding my situation. By the way, my situation was just as you have described. For the two appointments, I think I spent maybe $150.

I do hope this helps. Please feel free to PM me if you want. Bob Nelson