But, only if a doctor suggests it along with family. They are so high! But, there is one in town that we could live in, I think. Their ages start at 55 and one section allows small dogs. I would have to see about putting some of my money somewhere else. But, I can't find a way to do that. Especially since it is all direct deposit, and in my name or his. Someone said that you need to have it put in your kid's name and live on the SS. Can you do that? Or something like that? Legally?
Medicare does not pay for any long term care. The only time they pay nursing home costs is if the stay is for rehabilitation after a hospitalization for an illness or surgery. Then Medicare will cover a certain number of days as long as the resident is making progress in rehab. Medicaid pays after your assets have been exhausted, provided that you need medical care. If sounds as if your husband might qualify, but you might not if you don't need care. There are a variety of rules depending on whether only one of you or both of you need care. The "community spouse", who is the one not needing care is allowed to keep more of the couple's assets. The aging agency can help you with understanding the rules.
If both of you were to move to assisted living so that you could continue to live with him and still get some help with his care, generally one of you would pay the full rate, and the other one would pay a reduced rate as the second occupant in the same apartment. Where my mom lives, the second occupant rate is about 20% of the full rate.
There is a step between you taking care of him alone and both or one of you moving to a care center. Medicaid has a program for keeping individuals at home, and out of nursing homes. This program can cover going to a day care program, having some in-home help (such as homemaking, a bathing aid, physical therapy when needed, etc.) It does not cover 23/7 caregiving but does provide help. It also covers incontinence supplies and similar expenses. Depending on your husband's level of need and your own health and ability to take care of him at home, this waiver program may work for you for quite a while.
If you expect to need any of the Medicaid programs, you must be very careful about doing anything that would look like "hiding assets" to qualify.
A consultation with an attorney who specializes in Elder Law might be a very worthwhile investment right now. You would learn your options in your state.
Moving assets in a separate issue and I agree that your money should be used for you in your retirement.