Nice article as a general overview. I would like to offer some more specific commentary on Reverse Mortgages as they relate to helping pay for in-home care. A Reverse Mortgage is suitable for homeowners 62 and above that have equity in their homes. Reverse Mortgages are government insured loans specially designed for seniors with no monthly forward mortgage payments required. In the instance where a homeowner has a mortgage and/or other debt, a Reverse Mortgage is an ideal instrument that can be deployed to manage and help balance monthly cash flow. It’s nothing more than paying attention to money in versus money out over the course of a calendar month. A Reverse will eliminate the forward mortgage payment(s) and other selected debt payments thereby freeing up funds for living expenses and care (taxes & insurance still required). Without the burden of out of pocket monthly payments to your lender(s) the first of each month, it is easier to focus on the needs at hand such as in-home care. Whether you have debt to pay off or not, a Reverse will also provide a credit line for any residual available home equity. This is also ideal because any unused portion of your available home equity will grow annually at approximately five percent as you age. Your home equity is no longer strictly a dwindling asset but now rather a growing resource that can help you stay in your home. Please visit my website for information on when a Reverse Mortgage comes due and the non-recourse benefits a Reverse Mortgage can provide a family over the long term.