I am 64 years old and my husband is 70.  The issue is with my husband's mental care.  He has displayed some memory loss issues, confusion and others have noticed and commented on his decline.  I applied for Long Term Care for him, but he was denied because he either refused to participate in the memory test, and/or was unable to do it.  He does hafe some dyslexia and some leaning disabilities.  We own our home with about 72,000 in equity, I have $50,000 in an IRA/brokerage account, and we have a Charitable Remainder Trust with $200,000 (we draw 8% each year for income).  We both have Social Security and Federal retirement pensions.   I need to figure a way to protect my assets and pay for the care I know my husband will need in the not so distant future.  I would like a consultation, if possible, and could you advise as to the cost?   We have wills, living wills, power of attorney, in place which were drawn up in the State of Florida in 2000.  Thank you for your help.