As we gather around our holiday tables this year, we will be lucky if Grandma and Grandpa can join the festivities. What might go unsaid during the meal is how frightening and expensive it can be for the those growing old in America, wondering about how to pay for long-term-care services when independent living gets tough — and how tough it may get for the next generation to ensure that their parents are well cared for in America. This is the year to start debunking myths and facing new realities. Many Americans think their long-term care needs are covered by their health insurance or Medicare — this is not the case in America. The truth is that one-third of U.S. long-term ca
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