Is it fair or right to have a person's entire estate taken by the state to pay for nursing home care for an elderly person? Let's use the example of the moderate retirement investor who may have $500K net worth. He goes into a nursing home and has to pay for his care from his personal estate. If he lives 10 years, that pretty much wipes out his capital holdings. If his wife is later admitted into a nursing home, the rest of estate including her home is siezed by the state. At the end, there is nothing left. Now this man & his wife may have say 3 children that they wanted to leave all of their hard earned savings to. This is not an issue for the very wealthy since they can afford the very best care and have plenty left to leave their children. This all means that the majority of the middle-class is vulnerable to have nothing to leave their children after they die. Now it is perfectly legal for parents to place their entire estate into a family trust which will protect their assets from being siezed by the state. I think this shouldn't be necessary. The net/net here is that the wealthy get to ensure that their heirs remain wealthy while the middle class heirs are often left with nothing. Any thoughts on this?