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For veterans and widowed spouses who haven't remarried, VA has a few programs. Otherwise, there's long-term care insurance.

Medicare will cover medically necessary care if the patient primarily requires skilled nursing care (wound management, home IV...)

SOME States pay caregivers and may provide respite through a national family caregiver support program. And Medicare's GUIDE program also covers respite for those caring for a family member with dementia.

By and large though, in-home care comes out of pocket for Medicaid ineligibles. But eligibility for Medicaid changed February 1 so you'll want to check that out.
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Without Medicaid, there is no unlimited long-term funding source. It's all short-term and things for which you need to apply and qualify.

Can you give more details? Is it for you or someone you are caring for? What is there specific need (medical or custodial)?

How old is the person in need? What state do they live in?

Some states' counties have Elder Waiver programs so that when someone qualifies, they can receive in-home care but it won't be FT.
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