Under Medicaid rules, you cannot divert funds to a trust within 36 months in order to reduce the amount that can be spent before applying to Medicaid... and since he may outlive the extended care insurance max benefit, Medicaid may be necessary at some point. I think she is wishing now that when they set up the trusts they do have set up, they had segregated the funds differently and/or increased the insurance.

Most of what you all are posting is just what I have been thinking-- the problem is, tho, she's not listening. Should I just assume this will resolve itself as she continues to absorb the info that's sitting underneath the shock?

(Pass me the 2 x 4 just in case)

~Susan