Hi, I searched the forums and could not find anything specific to my situation. Though from reading other posts $280K sounds like sufficient assets, I come to the conclusion that my mother needs A&A. Tell me honestly if I am wrong, if I should let my mother spend down her assets, etc. My father died recently, so my mother is now receiving $1700/mo. social security and a $200/survivor pension from my Dad's employer. Mom lives is in an ALF, has a heart condition and needs oxygen constantly. Her ALF is $4000/mo., and I estimate her total monthly expenses are $4500 / mo. So, she needs to pull $2600/mo. from her $280,000 savings. With interest rates near zero, and ALF cost rising as her required care increases with age, I see her assets going to 0 in 8 years. If we took $230,000 of her assets and bought an annuity that is acceptable to VA (and Medicare just to be safe?), I could get Mom approx $2000/mo. income stream. Combining the $2000/mo with her current $1900/mo income, her countable income would still be below zero and she'd be eligible for A&A. Am I thinking correctly? Is this not the right course of action to give my mother the most financial security possible? Your feedback would be greatly appreciated.