Part 4: Long-Term-Care Insurance: Who Needs It? As the nation's roughly 78 million baby boomers move into old age, the need for long-term care will soar. But when it comes to long-term-care insurance, relatively few sign up. The policies can be expensive and some big insurance companies have stopped offering them.

Long-Term-Care Insurance: Who Needs It?

  • Download
  • <iframe src="" width="100%" height="290" frameborder="0" scrolling="no" title="NPR embedded audio player">
  • Transcript


It's MORNING EDITION, from NPR News. I'm Steve Inskeep.


And I'm David Greene.

Our series Family Matters is following the lives of three families facing a reality that is growing more common in the United States: Multiple generations living under the same roof, caring for one another.

LADONNA MARTIN: This one's about me...

GREENE: Today we're going to meet the Martin-Hawkins family from Harrisburg, Pennsylvania, and they define what we mean when we say sandwich generation. As you'll hear, two women are juggling their own jobs, finding time for their kids, and also caring for the woman at the center of our story, the matriarch of the family, an 87-year-old woman who likes to sing.

ANNABELLE BOWERS: (Singing) When all the lights are low, may not be new, but I like it. How about you?


GREENE: We met Snootzie(ph) - that's what her family calls her - one morning outside the home of LaDonna Martin, who's one of her caregivers. Her real name is AnnaBelle Bowers, and she was singing along to an iPod, still smiling from the evening she and LaDonna shared the night before.

BOWERS: Oh, we had a good time last night.

MARTIN: We almost went for drinks. How about it?

BOWERS: Yeah. We needed our margarita.

MARTIN: We don't always tell everyone.


MARTIN: I said we don't always tell everyone. That's our little secret.

BOWERS: No. That's our secret.


GREENE: One secret: Snootzie was a bartender for years, and she still brags about how nobody had the guts to mess with her. She lost her husband years ago, and then in 2009, she became frail enough that her family knew it was time to take her in. Two members of the family took that on: LaDonna, who's married to Snootzie's grandson, and also Kelley Martin, Snootzie's granddaughter.

BOWERS: It was funny. I said to my other granddaughter, I said, Kelley, when you and LaDonna decided to take me into your homes, you didn't think I'd live so long. And she said: No, I didn't, grandma.


KELLEY HAWKINS: And she'll say all the time: I just feel so bad. You guys are, you know, doing all this. And we're like, we wanted - we chose to do this.

GREENE: And it's clear it was not an easy choice. That was Kelley speaking right there. She and LaDonna are in their 40s - both nurses, both moms. LaDonna has a son and daughter still at home. Kelley has a daughter in college and another daughter getting ready for college next fall.

To make everything work, to do all the juggling, the two women hatched a plan. Snootzie spends two weeks with Kelley's family, and then she switches houses and spends the next two weeks with LaDonna.

And so how daunting was that decision when you two decided, you know, we're just going to take this on?

MARTIN: Honestly, at first we were like, well, we have to take her in. What else are we going to do?


MARTIN: And it was like, but then as time goes on, you know, the stress of it is just weighing. We would keep her, and we'll keep her till, you know, we can't. But it becomes a stressor. You just kind of never feel like you can kind of do what you want, and come and go. Like, I can't just - if my kids said mom, come pick me up, you know, and let's run to the mall or run to this sport, well, I have to make sure someone's going to be here with her.

HAWKINS: It's like having another, like, toddler. So, like, you can't just pick up and go. It's - you have to think everything, plan everything ahead, because lots of times, where we're going, you know, we can't take her. We do have a wheelchair and certain different games and stuff. We will just put her in the wheelchair and take her with us. But a lot of times that's not, you know, doable.

GREENE: And I can - when she was talking about how much she sees the two of you do for her, I mean, she clearly see how much you do. What is - if you look back over the last two years - the toughest moment?

HAWKINS: One thing when you do have like your moments, like LaDonna knows exactly what I'm going through, and we're kind of - I can be her sounding board and she's mine, because we're living it.

GREENE: You can hear the stress in those voices. But there are also so many moments of joy.


BOWERS: Hi, honey. How are you?

UNIDENTIFIED CHILD #1: Good. How are you?

GREENE: This is the sound of LaDonna's two kids coming home from school. They're greeted by Snootzie, who's smiling on the recliner in the living room.

BOWERS: How are you?


MARTIN: How was school?

UNIDENTIFIED CHILD #2: Pretty good. I had lots of tests today.

MARTIN: Did you?


GREENE: And Steve, getting to see your great grandma every day when you come home from school, I mean, the kids told me that it's something they really cherish.

INSKEEP: I'm glad you brought up that part, David, because as we've mentioned from the beginning, this can be painful. It can be expensive. We heard it compared to caring for another toddler. But this is also something living together, different generations in the same household, something that families choose to do and that they find rewarding, in many cases.

GREENE: And you could feel from this family - and from the others we're following, too - that as hard as it gets, I mean, they grow closer together through this whole process.

INSKEEP: And although we've talked about the financial difficulties that can be involved here - if you have to quit a job, for example, to take care of an elderly parent or grandparent. There can be financial benefits to this, as well, can there not?

GREENE: Yeah. And that financial benefit, Steve, is something that I've spoken to this family a lot about, as well.

INSKEEP: So it can be a double-edged situation. And in this situation, the Martin-Hawkins family has gone to an expert, in effect, for advice - a lawyer, someone who specializes in what is called elder law. Her name is Marielle Hazen, and she gave us some insight into the family's situation.

When somebody comes to you the way that the Martins and the Hawkins came to you, what do you do as an elder-care lawyer?

MARIELLE HAZEN: Well, as an elder-care lawyer, I do a broad range of things. And elder law is really a specialty in understanding the public benefits for individuals. It also deals with establishing decision-makers for individuals. It deals with Medicare. So when - there's benefit issues, Medicare and Medicaid benefits, and also veterans' benefits, a lot of estate planning, a lot of tax work. So elder law is really a broad umbrella of a lot of different areas that impact not just the elderly, but people of any age who may have disability issues and capacity issues.

INSKEEP: Now, the Hawkins and the Martin families, who we've been following, when they came to you, what did they need help with the most?

HAZEN: Well, there are a lot of different issues going on, there. And really, we just say that, you know, obviously, there are two - there's a granddaughter and a granddaughter-in-law - providing care, you know, doing so at sacrifice to their families. But they don't view it as a sacrifice. But there is a monetary sacrifice that happens. And so dealing with that and making it a workable situation in a way that, you know, everyone is going to be protected and needs are going to be met is, you know, one of the aspects of any family caregiving situation.

INSKEEP: So, is the next question, then, whether - I mean, if you're taking care of grandma - if you're taking care of Snootzi, in this case - the question is: Is it fair to ask some compensation from her, and how do you arrange that?

HAZEN: In that situation, grandma's not actually paying for caregiving services. She had a son who had passed away and had left resources to be used for her benefit. But in most circumstances, people don't have that extra set of funding. And so it could be mom or dad or grandma or grandpa who is paying directly for the caregiver services.

INSKEEP: I understand you helped these two families - the Martins and the Hawkinses - draw up a legal agreement. What did you do?

HAZEN: Well, again, talking generally about these kinds of circumstances, people - I see attorneys call them different things, either a family caregiver agreement or a personal care agreement, where there's an arrangement for the caregiver to be compensated for services that are being provided.

INSKEEP: This has got to be an extraordinarily complex thing to wade into, because we're dealing with this clash of emotion and practicality. You want to take care of your mom. You want to take care of your grandma or your grandpa. You don't want to charge for that. They never charged you. But at the same time, there are practical considerations, and the money needs to come from somewhere.

HAZEN: That's right. There are practical considerations. And I see a lot of family members making a lot of sacrifice: leaving the workforce, losing their retirement benefits, losing health care benefits in order to make sure their parents are provided the best care.

INSKEEP: Marielle Hazen is an elder law attorney in Harrisburg, Pennsylvania. Her clients include the Martin and Hawkins families, who are among the families we are following for our series Family Matters. Thanks very much.

HAZEN: Thank you for having me.


INSKEEP: And you can see images of Snootzi's family and read about an insurance policy that many people are taking out to fund their later years, all a part of David's series, Family Matters. It's at

Copyright © 2012 NPR. All rights reserved. Visit our website terms of use and permissions pages at for further information.

NPR transcripts are created on a rush deadline by Verb8tm, Inc., an NPR contractor, and produced using a proprietary transcription process developed with NPR. This text may not be in its final form and may be updated or revised in the future. Accuracy and availability may vary. The authoritative record of NPR’s programming is the audio record.