With a long battle of dementia looming, Bonnie's family is pretty sure she doesn't have enough insurance to pay for as long as she needs.  They know that she has at least 3 years of benefits, and that buys them the time they need to plan for a transition to Medicaid if needed. They don't need to sell her house right away, and she can live there alone for now, with help from her LTC insurance and home caregivers.  They can be ready if she needs to move to assisted living or to her son's home.  The family has options, depending on how her health leads their decisions, and they can remain in control of her choices.