Mary and Ed had been married for 63 years.  Ed and Mary had an adult disabled child Jennifer.  Mary was receiving nursing home care, at a cost of $6,500 per month.   Ed was residing in an assisted living facility, at a cost of $3,500 per month.   Their goals were to provide for their own long-term care, while preserving the house for Jennifer.  However, they were worried that their assets would be exhausted quickly.