I've looked into this some for my mother who is 83 years old. In her hometown, there is an assisted living place that will not kick you out when you run out of money. It's a nonprofit that has a foundation that will cover the cost if you run out of money. You pay by the month. I believe it's about $2,800 give or take for a studio. 3 scare meals a day and all the amenities.
They will help you find a place if your needs outpace their ability to care for your needs. In my opinion, the best way to do that would be for you both to move into there (in a bigger unit than a studio) that I believe would protect the one left behind should you run out of money.
The average stay in an assisted living facility I believe is about 2 years nationally. They have one resident that has lived there for 10 years.
I may be missing something. Someone that has a different experience might share something I haven't thought off.
I would move into the place tomorrow if it was me. We'd be 20 years younger than pretty much everyone in the place though. So I wait... Stowing more $. I'm having a hard time spending the Disability I'm collecting let alone the $ that DW brings home every two weeks.
Again thanks to everyone on this forum that has helped me get to this point.