[Baz]

My Mom turns 90 this month and still living alone and independently in her own home - able to drive, etc.

She lives 10 minutes from me.

I asked her a couple years ago if she and my late step-dad had ever bought long-term health insurance and she said they had discussed it and decided to live in their own home until the end.

That's her intent still today.

So at some point she will need person(s) to come in and help her - especially when she can no longer drive.

I don't know how it will all turn out.

I am a bit worried about it.

I don't think it's something that has template we can all follow.

Good luck Jim - I know you will get a lot of good input here.