Ms. Sherman’s father had fallen ill when Rita was a child, and the family’s fortunes had taken a negative turn. Ms. Sherman worked much of her adult life as a bookkeeper and also as a recreational aide for older people who were sick. So after her husband’s death, another relative helped Ms. Sherman buy that long-term care insurance policy. By then, her daughter was calling the shots, since Ms. Sherman was no longer able to speak. Michael, 67, has diabetes and assumes that qualifying for long-term care insurance is impossible for him at any price.

Source: New York Times July 07, 2017 09:00 UTC