I would have to look into it, but as a wife whose husband has alzheimers, it is something I wish we would have taken out. Trying to get help is darn near impossible because they say I make too much money. Really, I live paycheck to paycheck like most people. I applied for Medi Cal for him and my share of cost per month is $2300.00 before they will start paying. I don't have $2300.00 extra every month. It is looking like I may have to divorce my husband so that he will get the help he has earned. I would seriously look into it. Since he has alzheimers, he has no idea the financial strain I am under. Sorry, didn't mean to vent.