Long-Term Care Funding Blog | FundingDependency https://fundingdependency.com/blog/ Monthly articles on funding long-term care: Medicaid, Medicare, VA benefits, insurance and caregiving, reviewed by George A. Mellendorf. en-us Mon, 26 Oct 2026 12:00:00 +0000 Not Two Ways, Ten: How Families Really Pay for Long-Term Care https://fundingdependency.com/blog/ten-ways-to-pay-for-long-term-care/ https://fundingdependency.com/blog/ten-ways-to-pay-for-long-term-care/ Most families think there are two ways to pay for long-term care: savings or Medicaid. There are ten, and most families end up combining two or three. Mon, 26 Oct 2026 12:00:00 +0000 George A. Mellendorf How Families Actually Combine the 10 Funding Pillars https://fundingdependency.com/blog/how-families-combine-the-10-funding-pillars/ https://fundingdependency.com/blog/how-families-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. Fri, 21 Aug 2026 12:00:00 +0000 George A. Mellendorf Irrevocable Trusts for Medicaid Planning: What They Do and When to Use Them https://fundingdependency.com/blog/irrevocable-trusts-for-medicaid-planning/ https://fundingdependency.com/blog/irrevocable-trusts-for-medicaid-planning/ 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. Tue, 21 Jul 2026 12:00:00 +0000 George A. Mellendorf How Long-Term Care Insurance Underwriting Actually Works https://fundingdependency.com/blog/how-ltc-insurance-underwriting-works/ https://fundingdependency.com/blog/how-ltc-insurance-underwriting-works/ What carriers evaluate during LTC insurance underwriting — health questionnaire, phone interview, medical records, and rating classes. Sun, 21 Jun 2026 12:00:00 +0000 George A. Mellendorf Long-Term Care Insurance vs. Disability Insurance: Different Jobs, Different Triggers https://fundingdependency.com/blog/long-term-care-insurance-vs-disability-insurance/ https://fundingdependency.com/blog/long-term-care-insurance-vs-disability-insurance/ Long-term care insurance and disability insurance solve different financial problems. Here's how their triggers, benefits, and timelines actually compare. Thu, 21 May 2026 12:00:00 +0000 George A. Mellendorf Assisted Living vs. Nursing Home: How the Funding Actually Differs https://fundingdependency.com/blog/assisted-living-vs-nursing-home-funding/ https://fundingdependency.com/blog/assisted-living-vs-nursing-home-funding/ 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. Tue, 21 Apr 2026 12:00:00 +0000 George A. Mellendorf Spousal Impoverishment Protections: Keeping the At-Home Spouse Solvent https://fundingdependency.com/blog/spousal-impoverishment-protections-medicaid/ https://fundingdependency.com/blog/spousal-impoverishment-protections-medicaid/ How Medicaid's Community Spouse Resource Allowance and Minimum Monthly Maintenance Needs Allowance protect the at-home spouse in 2026. Sat, 21 Mar 2026 12:00:00 +0000 George A. Mellendorf Medicaid Estate Recovery: What Happens to a Home After Death https://fundingdependency.com/blog/medicaid-estate-recovery-explained/ https://fundingdependency.com/blog/medicaid-estate-recovery-explained/ How Medicaid estate recovery works, which family members are protected, and why the rules for what happens to a home differ sharply by state. Sat, 21 Feb 2026 12:00:00 +0000 George A. Mellendorf How to Start the Long-Term Care Conversation With Aging Parents https://fundingdependency.com/blog/how-to-start-the-long-term-care-conversation/ https://fundingdependency.com/blog/how-to-start-the-long-term-care-conversation/ Practical ways to open a long-term care planning conversation with aging parents before a health crisis forces the issue. Wed, 21 Jan 2026 12:00:00 +0000 George A. Mellendorf