* If the spouse who is in the nursing home has no assets other than the house. In this case, the house may need to be sold to cover the costs of nursing home care.
* If the spouse who is not in the nursing home is unable to afford the nursing home care costs on their own. In this case, the house may need to be sold to help cover the costs.
It's important to note that there are several options available to help families pay for nursing home care without having to sell the house, such as:
* Government subsidies: There are several government programs that can help provide financial assistance for nursing home care.
* Long-term care insurance: Long-term care insurance can help cover the costs of nursing home care.
* Reverse mortgages: Reverse mortgages can help seniors access the equity in their homes to pay for nursing home care.
If you are concerned about paying for nursing home care for yourself or a family member, there are several resources available to help you. You can contact the Ontario Ministry of Health's Long-Term Care Program at 1-800-268-1154 or visit their website at https://www.health.gov.on.ca/en/public/programs/ltc/. You can also contact a financial advisor or a lawyer who specializes in elder law to discuss your options.