Tom and Jill (69 and 65) have a comprehensive Long Term Care policy that will pay for their care when they need it. For now, they're still able to manage on their own at home, but want to add a bathroom on the first floor to reduce the strain of climbing the stairs. Based on Jill's age, they received $74,798 through a federally sponsored reverse mortgage program. They took $20,000 of the loan to install a new bathroom. They kept the rest ($54,798) in a line of credit which they can use to fund any additional long term care expenses before their policy takes effect.