Most of us want to stay home when long term care services are needed.  Often, we can if we have a strong family support system. Sometimes, it's safer to move to assisted living for more hands-on assistance. Pathfinders Downsizing Solutions can help you resize your living arrangements when you move into a smaller space.   Reimbursement LTC plans can't pay for a home care person to stay with us in a facility setting because the care licenses are different for each type of care. Cash indemnity plans pay cash, and you decide how and where you want to spend it.  You can pay for your friend or home cre worker to sit with you at your assisted living home. Listen to how Margie's care needs could have been better met had she owned a cash idemnity plan. Schedule with me to begin designing your plan to protect your family, assets and choices when you need help living and getting through each day