My sister in law (82) has been in a nursing home for over a year. btw, Medicare doesn't cover that. $$$$$ So it has been all out of pocket, unless you bought long term care insurance. They didn't and it is costing $100,000+ per year. Now my brother, (79) her husband, is being transferred to the same facility for rehab after a bout of serious problems. They'll be in the same building, just in different wings. Medicare covers rehab, but only for 100 days, I think. The costs of these things is just frightening. The experts warn about not saving enough for retirement. You have to consider the costs of long term care in those calculations.