When the Money Runs Out
How to protect your parent’s care - and avoid preventable mistakes before options narrow
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There’s a question I hear more than any other:
“What happens when my parent can no longer afford to pay for care?”
Most families start asking it when they look at the numbers and realize the current plan won’t last forever.
They see the monthly cost, what’s left in savings, and begin asking what comes next.
What happens later is shaped by the decisions made before the money runs out.
I spent 25 years inside senior living communities - managing them, overseeing care transitions, and guiding families when their funds ran low.
The difference I’ve seen isn’t how much a family has. It’s how early they prepare.
This guide gives you that preparation - before decisions become harder than they need to be.
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What’s Inside
Nine sections written in plain language.
1. What Most Families Believe About Paying for Care
Common assumptions about private pay and Medicaid - and where they create risk.
2. When Your Parent Is Still at Home and Funds Are Tight
Home-based Medicaid programs and how to evaluate options before savings are depleted.
3. When Funding Changes in Assisted Living
How transitions are handled and how timing affects placement options.
4. How Medicaid Works for Long-Term Care
Eligibility rules, program differences, and realistic timelines.
5. The Five-Year Lookback
What is reviewed, what creates penalties, and what does not.
6. Timing and Financial Decisions
Why waiting until every dollar is gone limits flexibility.
7. Lesser-Known Medicaid Pathways
How you can still qualify even when monthly income is over the limit.
8. VA Benefits
Aid and Attendance basics and how to determine if it applies.
9. Where to Start
Which professionals to consult and how to determine your next step.
Who This Guide Is For - And Why Timing is Important
This guide is for you if:
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Your parent is in assisted living and you’re concerned about how long funds will last
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Your parent is at home and care costs are rising
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You want to understand Medicaid eligibility before decisions become urgent
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You’re unsure how the five-year lookback applies to your family
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Your parent is a veteran or surviving spouse and you’re evaluating available benefits
In long-term care, timing matters.
An uninformed financial or eligibility decision can reduce options and increase costs.
This guide does not replace legal advice. It helps you understand how the system works, identify decisions that affect eligibility, and preserve options.
About Christen
I’m Christen Bergeron, founder of Navigating Senior Living.
I spent more than two decades working inside senior living communities - leading teams, overseeing transitions, and supporting families through funding changes.
I’ve seen how the process unfolds behind the scenes.
And I’ve seen how different it looks when families prepare early.
That experience shaped this guide.
Thanks for being here.
- Christen
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