|Nursing home and assisted living payments by Medicare and other government agencies is very, very tricky.|
If you are really interested and want to look at how this works in California, read this article. The attorney author is one of the few in California who knows the in's and out's of protecting the family estate so the surviving spouse does not wind up out in the street. I have worked with him personally.
VERY tricky stuff! If do not handle everything precisely right, the surviving spouse (usually the wife) winds up penniless.