One set of my inlaws have it and the other set have invested money set aside. Both sets plan well and will hopefully be covered for their lifetimes. My dad had the money to pay for his care and my mother does not and my sister and I will most likely end up paying for her care out of some of our inheritance from Dad. Dh and I have talked about it and decided to keep our money invested in the accounts my dad left. The goal is to not touch that money and to let it grow and we have been working on long term investment plans with our adviser.