My Parent Needs Nursing Home Care — What Do I Do?
Quick Answer
My Parent Needs Nursing Home Care — What Do I Do?
If your parent needs nursing home care, check if they have long-term care insurance. If not, options include paying out-of-pocket (average $9,000/month for a private room), Medicaid (requires spending down assets), or a combination. Consider a life insurance conversion or viatical settlement if they have a policy. Medicare only covers up to 100 days of skilled nursing.
Last updated: June 2, 2026
Your step-by-step guide for navigating a parents nursing home care, including long-term care insurance, Medicare, Medicaid, and life insurance options.
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Disclaimer: This content is for educational and informational purposes only and does not constitute financial, legal, or tax advice. Products and services mentioned may not be available in all states. All insurance products are subject to underwriting and policy terms. Consult a licensed professional for advice specific to your situation.