While some individuals purchase long term care insurance or establish trusts to protect their assets, the reality is that most individuals do not plan ahead for the costs of long term care. Instead, many believe they have no choice but to pay for care at home or in a nursing home until they are broke.   THIS IS UNTRUE!   Our firm is here to help the members of our South Dayton community understand their options. It is possible to preserve your assets while still allowing a spouse or parent to get they care they need through Medicaid. Additionally, there are pension benefits available to Veterans and their surviving spouses to help pay for long term care.