DH and I have told our children we do not want them to be our caregivers. We have long term home care insurance and that takes all the burden off everyone. DD and her DH are paying 1/2 of his parents long term health care insurance for them. I think it is the best thing for every parent to do for their kids and themselves to have this insurance to be able to live in their own home with qualified help. My FIL had this insurance and it was so much better for him to stay in his home. I think he lived several years longer just being happier in his own home.