This is HUGE.
My dad needed long-term care after a head injury, and like most families, we only realized it wasn't covered when we desperately needed it in the middle of a catastrophe.
And the facilities are bleak — just soul crushing. Trust me, you want to stay at home if you can, and this will make it more likely.
https://www.npr.org/2024/10/08/nx-s1-5144747/kamala-harris-sandwich-generation-home-care