The care your loved one deserves — and a real plan to pay for it.

Assisted living runs $5,000–$7,000 a month. Memory care more. Nobody hands you a map for paying that bill — so families drain savings first and discover their best options last. Answer a few questions and get a personalized plan ranking every funding source your family actually has.

Most families end up combining three or four funding sources. The order you use them in matters enormously.

Build my funding plan — free →

The funding sources most families never hear about

VA Aid & Attendance

Wartime-era veterans and surviving spouses can qualify for roughly $1,500–$2,700/month toward care — one of the most under-claimed benefits in America.

Selling a life insurance policy

A policy that's about to lapse can often be sold for several times its surrender value — money that pays for care while your loved one is living.

Long-term care insurance

Policies bought decades ago get forgotten in drawers. If one exists, filing the claim comes before spending a dollar of savings.

Home equity — without selling in a panic

Reverse mortgages, bridge loans, and orderly sales each fit different situations. A rushed sale is usually the worst-paying version.

Medicaid — planned, not stumbled into

Medicaid pays for long-term care after assets are spent down — but the 5-year lookback rules punish improvisation. Planning early protects more.

Medicare's hospice benefit

Hospice care itself is covered by Medicare. Families often don't know this — and pay out of pocket for things that are already covered.

Why we built this

Peace of the Mountain began as a licensed Pennsylvania viatical settlement brokerage — founded after watching families lose life insurance policies they'd paid into for decades, right when that money could have paid for comfort and care. The Funding Navigator is the tool we wished every family had: an honest, complete map of what they can draw on, in the right order, before the savings are gone. It's free, it takes about five minutes, and where a licensed professional is needed we connect you with one — never the other way around.

Build your funding plan

Free and confidential. No dollar amounts required — just what exists, so we can map your options.

Who needs care?

Which state do they live in?

Medicaid rules, benefit programs, and licensed professionals all vary by state.

Please choose a state.

What kind of care is needed?

Your best guess is fine — needs often change.

When is care needed?

How much of the monthly cost could their current income cover?

Social Security, pensions, retirement income — versus what the care will cost.

Which of these exist? Select all that apply.

Just whether they exist — no amounts needed.

Did they (or their spouse) serve in the military during a wartime era?

WWII, Korea, Vietnam, or Gulf War service — even one day in uniform during those periods can unlock VA Aid & Attendance.

Where should we send your funding plan?

You'll see it on screen immediately — we'll also email you the printable version.

I agree that Palliative Aid may contact me by email or phone about this request. Peace of the Mountain is an education and referral service; where an option requires a licensed professional (insurance, legal, lending), my information may be shared with one serving my state, and Peace of the Mountain may be compensated for that referral.

A valid email and your consent are required.