Before the Money Runs Out
If you’ve started doing the math and wondering what happen next, this guide explains how funding actually works - and what to do before options narrow.
Get the Guide - $37
You may have been thinking about this for a while.
But knowing care is expensive and understanding how it’s funded are two different things.
Once you start looking at how the money actually works, the questions get more specific.
How long will this last?
What happens after that?
Does Medicaid just take over?
Funding transitions don’t work the way most people assume.
What This Guide Covers
✔ What happens when private pay runs out
✔ How Medicaid actually works for long-term care
✔ What the five-year lookback reviews - and what it doesn’t
✔ How timing affects eligibility and options
✔ Lesser-known Medicaid pathways
✔ VA Aid & Attendance basics
✔ Where to start before funds get low
Why Timing Matters
Most families don’t start asking detailed questions until they realize the current plan won’t last forever.
But funding transitions are shaped by decisions made earlier.
Understanding how private pay, Medicaid, and eligibility rules work before savings run low gives you more flexibility - not fewer options.
Waiting until funds are nearly gone narrows them.
This Guide Is For You If:
• Your parent is in assisted living and you’re unsure how long funds will last
• Home care costs are increasing
• You want to understand Medicaid before it becomes urgent
• The five-year lookback feels unclear
• You’re evaluating VA benefits
Why I Wrote This
I’m Christen Bergeron, founder of Navigating Senior Living.
I spent 25 years working inside senior living communities - managing them, overseeing care transitions, and guiding families when funds ran low.
I saw how often families were caught off guard.
Not because they weren’t paying attention.
But because no one had clearly explained how the system works.
This guide pulls that information into one place so you can think ahead instead of reacting later.
When the Money Runs Out - PDF Guide
$37
✔ Plain-language explanation of how long-term care funding works
✔ What happens when private pay runs out
✔ How Medicaid eligibility and timing affect your options.
✔ Lesser-known Medicaid pathways and VA benefit overview
✔ Guidance on next steps and which professionals to consult
If the guide isn’t helpful for your situation, just email me within 7 days and I’ll refund your purchase.