By skyforbes Hi – trying to figure out a good path forward for my parents. Here's the situation: both are 85. My dad has recent physical ailments preventing him from walking and is starting to show signs of dementia. Mom physically fine but has major depression mostly due to my dad's situation. They are both on SS plus my mom has teachers' pension. They both make well over the NJ spend down limit and have a few hundred thousand in savings. I expect at least one will need a nursing home in the next five years. They didn't prepare for any of this, so the five year look back will be a problem. Is spending down the best way to get them onto Medicaid? If so, what should they be spending their savings on, and how would they do it if they're still receiving pension and SS payments? Consulting with an attorney as well but hoping for some good advice here. Thanks!