Seniors with a life insurance policy are eligible for Medicaid and Orestis created a model for middle-class people to pay for long-term care when they cannot pay out of pocket or through Medicaid.
In 1993, Congress enacted the Omnibus Budget Reconciliation Act of 1993, which required states to attempt to recoup "the expense of long-term care and related costs for deceased Medicaid recipients 55 or older." 
