ABC News recently shared the stories of two families and how they handle caregiving.  Here are some takeaways that people planning for care should keep in mind:

• Caregiving is more expensive than people expect.
• They often are surprised that health insurance and Medicare don't cover the costs of custodial care.
• Medicaid benefits vary by state and can change - so it's hard to "plan" for what Medicaid will look like.
• Not mentioned in the video, but obvious in its absence, is how LTC would help so many families.