The book is loaded with information that most people don't know or don't want to know when they are "now young - soon to be old" group. For others it's too late to do anything about it. They are people who know it's coming and hate to face the reality for themselves, their parents and their spouses. It is also a plea to insurance companies who do not yet offer a sufficient amount of affordable, long-term, healthcare insurance. Thankfully, people have been sold long-term care policies by brokers and agents who care about them. These people get sold on the wisdom to set aside portions of their best income-generating years in order to give them choices in the later years. When needed, this choice enables people to use the benefits for in-home care or institutional living. In most cases it is only available to people with adequate long-term care insurance. Home is the best place for most senior people.