Should my mother-in-law apply for Aid & Assistance if her assets exceed $80,000? I have been reading this website's wonderful advice and forum threads but I am still confused. "Mom" just moved to a "residential care facility" (in Oregon); she needs one person assistance with most ADLs (activities of daily living), has some dementia and her monthly care costs approx $4,000. She is fortunate to have long-term care insurance which pays $85/day and has some investments (mutual funds, annuities). She has not yet sold her home. Any advice appreciated!