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[quote=Anonymous]Was your dad a dentist?  How did all four go into the same field?

[quote=Anonymous]

Very interesting thread.  My parents are 92 and almost 92 with my Dad seeming like an 82 year old with golf three or four days a week, polka game and having volunteered weekly for Habitat in Naples area for 20 years till age 90. My Mom having had the eight children really slowed down after she gave up driving at age 85 and now has the Mild Cognitive Impairment.  My folks still go between Cape Cod and Naples, but the Christmas trip back for 2 weeks was too hard on my Mom.  Basically, though able to afford what they need, they had complaints about every tiered kind of community shown last year.  They will bring folks in - hard to see them doing it when they will not even allow a cleaning person to come in.  So for them it will be a health care crisis and probably both going to hopefully the same physical care system.

It is too bad when folks who can afford options do not take the opportunity to do so.  For those of you who are writing about elderly parents, be sure you have the conversation with your husband or think about options for yourself if single.  Long Term Care insurance and/or disability insurance should be a part of future planning.
We happened to get a wonderful policy in our late 50s.  the issue with us is that we have a our youngest age 30 who has a disability living with us and so could not exercise the use of it as far as going to a tiered or assisted living setting as needed because there are age limits if we could afford for her to go, too.  The push now adays is for those with a disability to "age in place," but advocates seem to forget the reality is that parents also age out and there is no sensible alternative in a care system for the Disabled Adult - but not senior age - Child.

There has never been any issue with parents coming into our home for care as we have a first responsibility to her.
I will say that we got the  LTC because options for our daughter are limited and LTC does cover in-home assistance, adult day care programming as well as assisted and other kinds of care, and it may be our only option.

Currently my four brothers who are all dentists will have the primary responsibility for planning for the folks when a crisis comes.  I am out of the area and having been future planning for 30 years in different ways, I can only get frustrated knowing the unnecessary stress on all concerned which lies ahead simply, especially on the folks.  I think if there is one thing I would say is to suggest to parents to plan now to be able to control as much as possible the care they would like to receive AND balance it out with what adult children can handle day-to-day as well as  financially.

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