I have a client that has money in his old 401k, he is retired and age 67, his wife is age 59. She has ahlzimers and has gone down hill over the last year and his fear is that he will have to put her in a retirement home soon. My question is this: Can we preserve that 401k money at all from being used up for her long term care services (another reason most should have LTC)? Is there a better solution, rollover to an IRA, cash out and put into a Life product or non-qualified annuity, use a SPIA, etc… I understand the 5 year look back rule. Does anyone have any ideas?