August 21, 2026
How Families Actually Combine the 10 Funding Pillars
Most families don't rely on one funding source — they layer two or three. Here's how the ten funding pillars typically combine in practice.
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The FundingDependency Blog
One new article each month on funding long-term care — written in plain language and reviewed by George A. Mellendorf, 45+ years in long-term care insurance.
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July 21, 2026
Irrevocable Trusts for Medicaid Planning: What They Do and When to Use Them
How Medicaid Asset Protection Trusts work, the five-year look-back rule that governs them, and who this advance-planning strategy actually makes sense for.
Read the article →June 21, 2026
How Long-Term Care Insurance Underwriting Actually Works
What carriers evaluate during LTC insurance underwriting — health questionnaire, phone interview, medical records, and rating classes.
Read the article →May 21, 2026
Long-Term Care Insurance vs. Disability Insurance: Different Jobs, Different Triggers
Long-term care insurance and disability insurance solve different financial problems. Here's how their triggers, benefits, and timelines actually compare.
Read the article →April 21, 2026
Assisted Living vs. Nursing Home: How the Funding Actually Differs
Why Medicare, Medicaid, and private pay treat assisted living and nursing home care so differently, and what that means for a family's funding plan.
Read the article →March 21, 2026
Spousal Impoverishment Protections: Keeping the At-Home Spouse Solvent
How Medicaid's Community Spouse Resource Allowance and Minimum Monthly Maintenance Needs Allowance protect the at-home spouse in 2026.
Read the article →February 21, 2026
Medicaid Estate Recovery: What Happens to a Home After Death
How Medicaid estate recovery works, which family members are protected, and why the rules for what happens to a home differ sharply by state.
Read the article →January 21, 2026
How to Start the Long-Term Care Conversation With Aging Parents
Practical ways to open a long-term care planning conversation with aging parents before a health crisis forces the issue.
Read the article →Not sure which pillar applies to you?
Twelve questions. About four minutes. A shortlist ranked for your specific situation.