Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I mean if you don’t pick her up from the hospital or wherever she is before she goes to a Medicaid nursing home, what are they gonna do? You just have to be cold hearted enough to wait them out.

I think OP is suggesting that there will not be "Medicaid nursing homes," not how will they get admitted.

The hospitals aren’t going to just evict ppl into the street. Certainly not at 70+ and nursing care level

Why not? Musk said get ready for hardship.

Uhm, I work in public health and the homeless shelter has several 70+ year olds with various degrees of health care needs including cognitive impairment. This doesn’t include the seniors living in their cars.

Are you saying they were evicted by the hospitals?

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It’s a separate program and long term care Medicaid and not regular Medicaid. Doubt they coul cut it as where would people go?

Women will be expected to stay home.

As a woman I did this but at some point it is not manageable without help. Long term Medicaid was our only option. Most people cannot do it especially with young kids.

The current system already penalizes adult children, often single women, who quit jobs in the prime earning years and move back home to take care of their parents. The kicker is that the parents' issues are so complicated that they may must move into a LTC facility. The house must be sold before the parent can receive Medicaid, so women in their 50s, 60s, 70s find themselves on the street without a home or a job.

DP.
There are ways to keep the house, please don’t dramatize.
I haven’t seen many women on the street unless they have mental health issues.

How do you keep the house? Please share the ways.

Elder law attorney will consult
AFAIK it’s irrevocable trust or a share of the house belongs to a relative, but I am NAL

So you really don’t know.

I know that people do it. So it’s possible.

Nursing homes come under long term care Medicaid. It’s a different program than regular Medicaid with separate qualifications and rules.

So? I was talking about it being possible to keep the house

Anonymous wrote:

Anonymous wrote:I think some are confusing Medicare and Medicaid. They sound similar but are different.

Medicare is health care for seniors. Medicaid is for low income. You can get both or one.

Long term care medicaid is a separate program that someone keeps saying it isn't. My MIL qualified for long-term medicaid but not regular Medicaid and her income was around $1K a month. Two very different programs.

Good grief, Medicaid is one program that serves different populations (e.g. kids, childless adults, elderly) through different eligibility pathways. Eligibility standards may vary by the population that is covered but all of it is financed jointly by the states and the federal government. There isn’t a separate pool of money that finances Medicaid long term care — it’s all part of the same mix. The main way Medicaid programs vary is from state to state.

Please read this explainer, especially Nos. 5 and 6: https://www.kff.org/medicaid/issue-brief/10-things-to-know-about-medicaid/

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:
I work in health policy.

The Paragon Health Institute is a conservative health care think tank that will have a lot more sway over policy in the Trump administration.

Here is a recent white paper of theirs about how to reform long-term care in the U.S. They think Medicaid is the reason long term care is so expensive and that the country would be better off if all but the poorest families were required to pay for it on their own (without Medicaid’s help) or through new long-term care insurance arrangements. Better buckle up kids, this ride won’t be for the feint of heart.

Long-Term Care: The Solution

https://paragoninstitute.org/medicaid/long-term-care-solution/

“Congress should remove Medicaid as an end-of-life, wealth-preserving, fail-safe for the middle class and affluent. Medicaid should not reward people who neglect to plan responsibly for LTC by both paying for services and providing asset protection. New public policy should incentivize early planning for LTC that employs private wealth, including savings, home equity, life insurance, and a revitalized private LTC insurance market. Recent research documents lower risk of severe LTC expenses and indicates that consumers have more funds available to pay privately for LTC than previously believed. These facts suggest a way to revitalize the senior living market financially to the benefit of LTC consumers and providers alike. With more private LTC financing, fewer people will become dependent on Medicaid. Medicaid can then become a better payer of last resort than it is now. This paper explains how and why this new approach is plausible, practical, and preferable given current demographic and financial conditions.”

This "concept" of a plan has no basis in reality. My parents were thrifty and still needed Medicaid for LTC. I find this absolutely maddening.

But YOU have wealth. That's the kicker. The government doesn't want you passing along your elderly if they (or you) have resources. Medicaid is supposed to be for last resort. For the truly indigent. Like dogfood eating out on the street. Sounds like the Trump Administration is going to love this policy advice. If the government won't pay, what are you going to do?

"wealth-preserving, fail-safe for the middle class and affluent."

No, I don't have wealth. I assisted my parents, now some of my siblings as well as my college kids. I'm tapped out. This is all set up to keep working class folks working class while they privatize all profits for themselves.

Right. It’s all about rich people getting to pay less in taxes, which will result in middle class families having to spend any retirement and college savings on caring for elderly family members who pre-reform would have qualified for Medicaid help. When families have less money, they have to work longer, the supply of labor goes up and the cost of labor is cheaper for big business. Plus, if Medicaid becomes a minor payer for long term care, more people will be paying (higher) private rates for care.

Well you should clarify and make that be "the ultra rich" pay more. The middling rich--those who earn most income from a W2/CapGains/Interest/Dividends pay out the wazoo for taxes--there are no legal loopholes for them. 37% on most of income, Medicare, SS, and 8-10% on majority of income at state level. It puts them close to 55-60% tax overall. We don't need "more taxes" at that level. We need to find a way to tax the ultra rich.

But people also need to plan. My LMC parents (in 80s, never earned more than $45-50K as family in their lifetime, normally it was much lower) managed to purchase LTC insurance and have kept it up. They also were truly frugal, our home was not nice, but it was a safe place with heat, water and a roof over the head. They lived on 1/2 acre+ and raised chickens and had a huge garden. They did 95% of their home repairs themselves until age 55/60. I personally helped dad reroof 2 homes while growing up---he figured it out because it needed to happen and we couldn't afford to pay someone.

Well those parents had over $750K when they sold their home (only $180K of it) and moved to a CCRC (we had to pay entry fee otherwise they qualified). They always made savings a priority and we lived frugally. I got $25 from them for bday and xmas and that was it. If it was a bad year, we got nothing. But they managed to save save save, despite many times of unemployment my first 15 years that set them back. Even after, they did whatever to have a job so they wouldn't fall behind.

Now they are living a decent retirement

+1 the US tax system sucks. The super rich need to pay in way more. Musk should make up whatever shortfall personally since he’s the richest man in the world. He basically bought our country. Can’t Trump, the supposed master deal maker, get a better deal for selling our country?

No, they just need to stop subsitizing the rich and giving away so much money and being more responsible. Plenty of money. Did it suprise anyone that Trump made this all about his rich friends.

Anonymous wrote:I think some are confusing Medicare and Medicaid. They sound similar but are different.

Medicare is health care for seniors. Medicaid is for low income. You can get both or one.

Long term care medicaid is a separate program that someone keeps saying it isn't. My MIL qualified for long-term medicaid but not regular Medicaid and her income was around $1K a month. Two very different programs.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I mean if you don’t pick her up from the hospital or wherever she is before she goes to a Medicaid nursing home, what are they gonna do? You just have to be cold hearted enough to wait them out.

I think OP is suggesting that there will not be "Medicaid nursing homes," not how will they get admitted.

The hospitals aren’t going to just evict ppl into the street. Certainly not at 70+ and nursing care level

Why not? Musk said get ready for hardship.

Uhm, I work in public health and the homeless shelter has several 70+ year olds with various degrees of health care needs including cognitive impairment. This doesn’t include the seniors living in their cars.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:
I work in health policy.

The Paragon Health Institute is a conservative health care think tank that will have a lot more sway over policy in the Trump administration.

Here is a recent white paper of theirs about how to reform long-term care in the U.S. They think Medicaid is the reason long term care is so expensive and that the country would be better off if all but the poorest families were required to pay for it on their own (without Medicaid’s help) or through new long-term care insurance arrangements. Better buckle up kids, this ride won’t be for the feint of heart.

Long-Term Care: The Solution

https://paragoninstitute.org/medicaid/long-term-care-solution/

“Congress should remove Medicaid as an end-of-life, wealth-preserving, fail-safe for the middle class and affluent. Medicaid should not reward people who neglect to plan responsibly for LTC by both paying for services and providing asset protection. New public policy should incentivize early planning for LTC that employs private wealth, including savings, home equity, life insurance, and a revitalized private LTC insurance market. Recent research documents lower risk of severe LTC expenses and indicates that consumers have more funds available to pay privately for LTC than previously believed. These facts suggest a way to revitalize the senior living market financially to the benefit of LTC consumers and providers alike. With more private LTC financing, fewer people will become dependent on Medicaid. Medicaid can then become a better payer of last resort than it is now. This paper explains how and why this new approach is plausible, practical, and preferable given current demographic and financial conditions.”

This "concept" of a plan has no basis in reality. My parents were thrifty and still needed Medicaid for LTC. I find this absolutely maddening.

But YOU have wealth. That's the kicker. The government doesn't want you passing along your elderly if they (or you) have resources. Medicaid is supposed to be for last resort. For the truly indigent. Like dogfood eating out on the street. Sounds like the Trump Administration is going to love this policy advice. If the government won't pay, what are you going to do?

"wealth-preserving, fail-safe for the middle class and affluent."

No, I don't have wealth. I assisted my parents, now some of my siblings as well as my college kids. I'm tapped out. This is all set up to keep working class folks working class while they privatize all profits for themselves.

Right. It’s all about rich people getting to pay less in taxes, which will result in middle class families having to spend any retirement and college savings on caring for elderly family members who pre-reform would have qualified for Medicaid help. When families have less money, they have to work longer, the supply of labor goes up and the cost of labor is cheaper for big business. Plus, if Medicaid becomes a minor payer for long term care, more people will be paying (higher) private rates for care.

Well you should clarify and make that be "the ultra rich" pay more. The middling rich--those who earn most income from a W2/CapGains/Interest/Dividends pay out the wazoo for taxes--there are no legal loopholes for them. 37% on most of income, Medicare, SS, and 8-10% on majority of income at state level. It puts them close to 55-60% tax overall. We don't need "more taxes" at that level. We need to find a way to tax the ultra rich.

But people also need to plan. My LMC parents (in 80s, never earned more than $45-50K as family in their lifetime, normally it was much lower) managed to purchase LTC insurance and have kept it up. They also were truly frugal, our home was not nice, but it was a safe place with heat, water and a roof over the head. They lived on 1/2 acre+ and raised chickens and had a huge garden. They did 95% of their home repairs themselves until age 55/60. I personally helped dad reroof 2 homes while growing up---he figured it out because it needed to happen and we couldn't afford to pay someone.

Well those parents had over $750K when they sold their home (only $180K of it) and moved to a CCRC (we had to pay entry fee otherwise they qualified). They always made savings a priority and we lived frugally. I got $25 from them for bday and xmas and that was it. If it was a bad year, we got nothing. But they managed to save save save, despite many times of unemployment my first 15 years that set them back. Even after, they did whatever to have a job so they wouldn't fall behind.

Now they are living a decent retirement

+1 the US tax system sucks. The super rich need to pay in way more. Musk should make up whatever shortfall personally since he’s the richest man in the world. He basically bought our country. Can’t Trump, the supposed master deal maker, get a better deal for selling our country?

I think some are confusing Medicare and Medicaid. They sound similar but are different.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It’s a separate program and long term care Medicaid and not regular Medicaid. Doubt they coul cut it as where would people go?

Women will be expected to stay home.

As a woman I did this but at some point it is not manageable without help. Long term Medicaid was our only option. Most people cannot do it especially with young kids.

The current system already penalizes adult children, often single women, who quit jobs in the prime earning years and move back home to take care of their parents. The kicker is that the parents' issues are so complicated that they may must move into a LTC facility. The house must be sold before the parent can receive Medicaid, so women in their 50s, 60s, 70s find themselves on the street without a home or a job.

DP.
There are ways to keep the house, please don’t dramatize.
I haven’t seen many women on the street unless they have mental health issues.

How do you keep the house? Please share the ways.

Elder law attorney will consult
AFAIK it’s irrevocable trust or a share of the house belongs to a relative, but I am NAL

So you really don’t know.

I know that people do it. So it’s possible.

Nursing homes come under long term care Medicaid. It’s a different program than regular Medicaid with separate qualifications and rules.

It’s all a part of Medicaid, just with different eligibility criteria. And it is just as vulnerable to budget cuts, in part because the per person cost of Medicaid enrollees in long term care is so much higher than for any other category of enrollee.

No, it’s not and you can qualify for long term and not regular. Two different applications. The long term care is a waiver program.

Yes, you can qualify for long-term care under Medicaid but it is still part of the same Medicaid program — jointly funded by the states and the federal government. Kids qualify for Medicaid under a different eligibility pathway, but it is the same government program.

Medicaid covers nursing home care as an entitlement; if you meet the eligibility criteria, you can get the service. Medicaid home- and community-based services — i.e. getting long term care at home or in a community setting (not an institution like a nursing home) — is usually available through a waiver program in one’s state. Even if you qualify, there may be a waiting list.

Right now Medicaid is funded as an entitlement. People qualify for coverage, they get services and the federal government and state government each pick up a share of the costs. There is no cap on the costs. If Republicans in Congress decide to switch Medicaid to block grant funding, under which the federal government only pays each state a fixed amount each year, with the states left responsible for picking up the rest of the cost (however high it goes), that can definitely affect long-term care coverage in Medicaid. (Another possible scenario is that the federal government would pay a fixed annual amount for each person on Medicaid, known as a “per capita cap”.) Under block grant financing states most likely would have more flexibility in how they run their Medicaid programs, which may include further restricting eligibility or benefits. Do not delude yourself into thinking Medicaid financing for long term care is untouchable. It’s not. Messing with it would be politically unpopular, but even politically unpopular things have been known to happen in the service of, oh, say, financing big federal tax cuts.


Here is a good basic primer on Medicaid, who it covers and how the financing works from KFF, the nonpartisan, nonprofit health policy research group.

https://www.kff.org/health-policy-101-medicaid/?entry=table-of-contents-who-is-covered-by-medicaid

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It’s a separate program and long term care Medicaid and not regular Medicaid. Doubt they coul cut it as where would people go?

Women will be expected to stay home.

As a woman I did this but at some point it is not manageable without help. Long term Medicaid was our only option. Most people cannot do it especially with young kids.

The current system already penalizes adult children, often single women, who quit jobs in the prime earning years and move back home to take care of their parents. The kicker is that the parents' issues are so complicated that they may must move into a LTC facility. The house must be sold before the parent can receive Medicaid, so women in their 50s, 60s, 70s find themselves on the street without a home or a job.

DP.
There are ways to keep the house, please don’t dramatize.
I haven’t seen many women on the street unless they have mental health issues.

How do you keep the house? Please share the ways.

Elder law attorney will consult
AFAIK it’s irrevocable trust or a share of the house belongs to a relative, but I am NAL

So you really don’t know.

I know that people do it. So it’s possible.

Nursing homes come under long term care Medicaid. It’s a different program than regular Medicaid with separate qualifications and rules.

It’s all a part of Medicaid, just with different eligibility criteria. And it is just as vulnerable to budget cuts, in part because the per person cost of Medicaid enrollees in long term care is so much higher than for any other category of enrollee.

No, it’s not and you can qualify for long term and not regular. Two different applications. The long term care is a waiver program.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It’s a separate program and long term care Medicaid and not regular Medicaid. Doubt they coul cut it as where would people go?

Women will be expected to stay home.

As a woman I did this but at some point it is not manageable without help. Long term Medicaid was our only option. Most people cannot do it especially with young kids.

The current system already penalizes adult children, often single women, who quit jobs in the prime earning years and move back home to take care of their parents. The kicker is that the parents' issues are so complicated that they may must move into a LTC facility. The house must be sold before the parent can receive Medicaid, so women in their 50s, 60s, 70s find themselves on the street without a home or a job.

DP.
There are ways to keep the house, please don’t dramatize.
I haven’t seen many women on the street unless they have mental health issues.

How do you keep the house? Please share the ways.

Elder law attorney will consult
AFAIK it’s irrevocable trust or a share of the house belongs to a relative, but I am NAL

So you really don’t know.

I know that people do it. So it’s possible.

Nursing homes come under long term care Medicaid. It’s a different program than regular Medicaid with separate qualifications and rules.

It’s all a part of Medicaid, just with different eligibility criteria. And it is just as vulnerable to budget cuts, in part because the per person cost of Medicaid enrollees in long term care is so much higher than for any other category of enrollee.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It’s a separate program and long term care Medicaid and not regular Medicaid. Doubt they coul cut it as where would people go?

Women will be expected to stay home.

As a woman I did this but at some point it is not manageable without help. Long term Medicaid was our only option. Most people cannot do it especially with young kids.

The current system already penalizes adult children, often single women, who quit jobs in the prime earning years and move back home to take care of their parents. The kicker is that the parents' issues are so complicated that they may must move into a LTC facility. The house must be sold before the parent can receive Medicaid, so women in their 50s, 60s, 70s find themselves on the street without a home or a job.

DP.
There are ways to keep the house, please don’t dramatize.
I haven’t seen many women on the street unless they have mental health issues.

How do you keep the house? Please share the ways.

Elder law attorney will consult
AFAIK it’s irrevocable trust or a share of the house belongs to a relative, but I am NAL

So you really don’t know.

I know that people do it. So it’s possible.

Nursing homes come under long term care Medicaid. It’s a different program than regular Medicaid with separate qualifications and rules.

And it's different by state.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It’s a separate program and long term care Medicaid and not regular Medicaid. Doubt they coul cut it as where would people go?

Women will be expected to stay home.

As a woman I did this but at some point it is not manageable without help. Long term Medicaid was our only option. Most people cannot do it especially with young kids.

The current system already penalizes adult children, often single women, who quit jobs in the prime earning years and move back home to take care of their parents. The kicker is that the parents' issues are so complicated that they may must move into a LTC facility. The house must be sold before the parent can receive Medicaid, so women in their 50s, 60s, 70s find themselves on the street without a home or a job.

DP.
There are ways to keep the house, please don’t dramatize.
I haven’t seen many women on the street unless they have mental health issues.

How do you keep the house? Please share the ways.

Elder law attorney will consult
AFAIK it’s irrevocable trust or a share of the house belongs to a relative, but I am NAL

So you really don’t know.

I know that people do it. So it’s possible.

Nursing homes come under long term care Medicaid. It’s a different program than regular Medicaid with separate qualifications and rules.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:It’s a separate program and long term care Medicaid and not regular Medicaid. Doubt they coul cut it as where would people go?

Women will be expected to stay home.

As a woman I did this but at some point it is not manageable without help. Long term Medicaid was our only option. Most people cannot do it especially with young kids.

The current system already penalizes adult children, often single women, who quit jobs in the prime earning years and move back home to take care of their parents. The kicker is that the parents' issues are so complicated that they may must move into a LTC facility. The house must be sold before the parent can receive Medicaid, so women in their 50s, 60s, 70s find themselves on the street without a home or a job.

DP.
There are ways to keep the house, please don’t dramatize.
I haven’t seen many women on the street unless they have mental health issues.

How do you keep the house? Please share the ways.

Elder law attorney will consult
AFAIK it’s irrevocable trust or a share of the house belongs to a relative, but I am NAL

So you really don’t know.

I know that people do it. So it’s possible.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:
I work in health policy.

The Paragon Health Institute is a conservative health care think tank that will have a lot more sway over policy in the Trump administration.

Here is a recent white paper of theirs about how to reform long-term care in the U.S. They think Medicaid is the reason long term care is so expensive and that the country would be better off if all but the poorest families were required to pay for it on their own (without Medicaid’s help) or through new long-term care insurance arrangements. Better buckle up kids, this ride won’t be for the feint of heart.

Long-Term Care: The Solution

https://paragoninstitute.org/medicaid/long-term-care-solution/

“Congress should remove Medicaid as an end-of-life, wealth-preserving, fail-safe for the middle class and affluent. Medicaid should not reward people who neglect to plan responsibly for LTC by both paying for services and providing asset protection. New public policy should incentivize early planning for LTC that employs private wealth, including savings, home equity, life insurance, and a revitalized private LTC insurance market. Recent research documents lower risk of severe LTC expenses and indicates that consumers have more funds available to pay privately for LTC than previously believed. These facts suggest a way to revitalize the senior living market financially to the benefit of LTC consumers and providers alike. With more private LTC financing, fewer people will become dependent on Medicaid. Medicaid can then become a better payer of last resort than it is now. This paper explains how and why this new approach is plausible, practical, and preferable given current demographic and financial conditions.”

This "concept" of a plan has no basis in reality. My parents were thrifty and still needed Medicaid for LTC. I find this absolutely maddening.

But YOU have wealth. That's the kicker. The government doesn't want you passing along your elderly if they (or you) have resources. Medicaid is supposed to be for last resort. For the truly indigent. Like dogfood eating out on the street. Sounds like the Trump Administration is going to love this policy advice. If the government won't pay, what are you going to do?

"wealth-preserving, fail-safe for the middle class and affluent."

No, I don't have wealth. I assisted my parents, now some of my siblings as well as my college kids. I'm tapped out. This is all set up to keep working class folks working class while they privatize all profits for themselves.

Right. It’s all about rich people getting to pay less in taxes, which will result in middle class families having to spend any retirement and college savings on caring for elderly family members who pre-reform would have qualified for Medicaid help. When families have less money, they have to work longer, the supply of labor goes up and the cost of labor is cheaper for big business. Plus, if Medicaid becomes a minor payer for long term care, more people will be paying (higher) private rates for care.

Well you should clarify and make that be "the ultra rich" pay more. The middling rich--those who earn most income from a W2/CapGains/Interest/Dividends pay out the wazoo for taxes--there are no legal loopholes for them. 37% on most of income, Medicare, SS, and 8-10% on majority of income at state level. It puts them close to 55-60% tax overall. We don't need "more taxes" at that level. We need to find a way to tax the ultra rich.

But people also need to plan. My LMC parents (in 80s, never earned more than $45-50K as family in their lifetime, normally it was much lower) managed to purchase LTC insurance and have kept it up. They also were truly frugal, our home was not nice, but it was a safe place with heat, water and a roof over the head. They lived on 1/2 acre+ and raised chickens and had a huge garden. They did 95% of their home repairs themselves until age 55/60. I personally helped dad reroof 2 homes while growing up---he figured it out because it needed to happen and we couldn't afford to pay someone.

Well those parents had over $750K when they sold their home (only $180K of it) and moved to a CCRC (we had to pay entry fee otherwise they qualified). They always made savings a priority and we lived frugally. I got $25 from them for bday and xmas and that was it. If it was a bad year, we got nothing. But they managed to save save save, despite many times of unemployment my first 15 years that set them back. Even after, they did whatever to have a job so they wouldn't fall behind.

Now they are living a decent retirement

This is great for your parents - truly - but utterly unhelpful for those of us with elderly parents who did *not* save adequately for retirement. Come on.