It’s all out of pocket.
Thanks for sharing. Wow. What are the options for people who cannot afford this? Are there nursing homes that are covered by insurance? (Even if they are dreadful sometimes you have to take what you can get…)
Obviously it’s great if family can provide the care, but that isn’t always possible.
I’m telling DH we need to save way more, eat better, and do cardio daily (early 40s). No idea what I will do about my parents in the not-so-distant future. I’m 100% they don’t have the cash flow for assisted living!