My mom, who currently has dementia, knew that she had a family history of Alzheimer's Disease, so she was able to plan her future. She took out long term care i

My mom, who currently has dementia, knew that she had a family history of Alzheimer's Disease, so she was able to plan her future. She took out long term care insurance twenty years ago, invested her money wisely while she was still in full control, and did a good job of estate planning and documenting most of her affairs. She did probably 90% of everything right. The long term care insurance especially has been a godsend, since her memory care facility costs almost $8,000 a month. Even if she exhausts that benefit before she passes, we will have benefitted from several years of coverage for those payments. Still, I face this Mother's Day in the U.S. with a mom who is mostly no longer there.