12/26/2012 12:49 pm ET

Staying Independent In Old Age, With A Little Help

My 92-year-old aunt, who is cognitively impaired and requires a walker or wheelchair to get around, still lives in her own apartment, where round-the-clock home health aides help her get to and from the bathroom, bathe, dress and undress, and go outside each day for some fresh air. The aides shop, prepare and serve meals, do light housekeeping and make sure she takes her medications on time.

But last month, my aunt’s long-term care insurance ran out, and her meager savings will soon do the same. Then what?

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