Costs, insurance, long-term-care planning, and how to pay for senior living.
17 articles
Paying for senior care is where many families get stuck. The average assisted-living stay is two to three years; full-time memory care can run $7,000+ per month; nursing home care over $10,000. Few families have planned for this.
Our financial planning library is honest about what each funding source actually covers: long-term-care insurance (and how to read a policy that was bought twenty years ago), VA Aid & Attendance, Medicaid spend-down rules, reverse mortgages, life-insurance conversion, and the math of selling a primary residence to fund care. We don't recommend specific products. We explain the math so families can run the numbers themselves and ask better questions of the financial advisor or elder-law attorney they're already working with.
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If you are 65 or older, the One Big Beautiful Bill Act adds up to $6,000 to your standard deduction, or $12,000 for a couple where both spouses qualify. It phases out above $75,000 for single filers and $150,000 for joint filers, it runs only through 2028, and you can take it whether you itemize or not.
March 19, 2026
