Serious Question About Nursing Homes

[Janet]

Ladies, a friend and I were talking the other day. She is younger than I am and already worried about old age and nursing homes. Well, her worries got me to thinking too so I thought maybe you all can help ease our worries.

I'm not even sure how to start, it's much easier talking about it. For instance, Rick and I are married (duh...lol) It's in the future and Rick or I have to go to a nursing home while the other one doesn't. She said that the one NOT in the nursing home would lose most everything because it would be needed to take care of the one in the nursing home. Is that true??? Is it a good thing that I have Mom's home just in my name or will it make a difference since we are married? She has me scared to death.

Since we don't have the best marriage, I don't want to lose everything we've worked for. My gosh, I would resent him even more than I do now. So tell me...is this a possibility?

She said if they were still alive and doing well at 60, they were planning on divorcing so there hopefully would be enough time between the divorce and needing a nursing home so the nursing home couldn't come back on them. She said they were going to put their house in one of their names, but didn't know which one yet.

I told her if she puts it in his name, what happens if she should go into a nursing home first and visa versa. She didn't know of course.

I tell you, this has really got me to thinking now. I don't want to lose everything and be put in an old folks home instead of a nice nursing home. Hopefully both of us will die of a heart attack or something and not need a nursing home, but this really has me worried.

Any thoughts? (I realize we all probably won't be here, but ya never know).