When her elderly mother s cognitive impairment from dementia worsened in the late 1990s, Sebra Barcuis knew she needed to get her into a long-term care program that provided the necessary
Federal estimates suggest 70% of people ages 65 and older will need long-term care before they die, but only 3% to 4% of Americans age 50 and older are paying for long-term care policies, according to insurance industry figures.
When her elderly mother’s cognitive impairment from dementia worsened in the late 1990s, Sebra Barcuis knew she needed to get her into a long-term care program that provided the necessary
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