...but long-term care insurance, not that expensive.
$800,000 grand invest decently can produce a decent monthly income, plus SS, plus whatever savings or pensions, or both.
Hey, donate the money with no strings and it's their money and their business.
Ah, the days of readily available, locked-rate long term care insurance are well past us now. At least for companies that will exist when the time comes that the insurance is needed.
And for people who didn't buy when they were young and healthy . . . that ship has sailed.