My mother is in stage 6 Alzheimers and I am afraid will soon need long term care. My father is still living and in reasonably good health. They live in a home that is owned by my sister and given to them through a life trust so that they may live there as long as they live. My parents have approximately 100 thousand in savings. My question is how much of that is subject to spend down, all of it or do they allow my father to keep a portion for his own existence.