The key to this "happily ever after" story isn't the cash-out on a $1 million-plus home.  It's the age of the people involved: over 90.  That says it all, but on closer examination, he is older than she, so statistically, she'll be left alone--without his pensions to pay the way.  But in this scenario, even that's OK.  

Time, as they say, is on their side, meaning, they'll likely pass on before the money's gone.  The reckoning--10 years--is about right, too.  The piece doesn't spell it out precisely, but if it's a 5-star, they're paying at least $6,000 a MONTH to live there. $720,000 in ten years. Money left over.  Good thing, because, near the end, the costs skyrocket as "residents" become, actual "patients", assisted every costly moment of every costly day.  

For the rest of us, though...