I've said before that I work with older adults in a self pay Independent Living Retirement Community. Our average age is 87! The people who live there have done fairly well in life making average Middle Class incomes carefully managed, PLUS the fairly hefty capital gains they made after owning their homes for 45+ years! (Our county is a bedroom community of Kansas City and is quite prosperous!) We are one of the more reasonably priced facilities costing about $1,800 for a small studio apartment; $2,300 for a one bedroom and $2,900 for a 2 bedroom. This includes 3 meals, light housekeeping, 24 hour manager on duty, entertainment (that's MY job), and transportation 5 days a week, 8 hours a day. There is NO buy in -- it's strictly a month to month agreement! Other facilities like ours in our area can run upwards of $6,500 per month for 1 bedrooms and many have an $80,000 to $100,000 up front buy in cost. I have seen many of our residents HAVING to be transferred to a full care nursing home for many reasons; Altzheimer's progression; a serious illness; stroke; etc. For our married residents, sometimes the one spouse lives with us while the other spouse is in a full care nursing home. Just recently, one of our residents who currently pays $2,300 per month, had to put his wife in a full care nursing facility. On the parking lot in our conversation he told me that the cost for her alone is $7,000 per month. "Don't you have long term care insurance?" I asked. He replied, "Well, they are going to pay $2,000 per month of that $7,000!" I was stunned. Between he and his wife, even with long-term care insurance, he will personally be responsible for $7,300 per month! Over just 1 year, this will amount to $87,600! And this does NOT take into account whatever MEDICAL bills accumulate for various reasons. We have individuals in our building that have lived there for more than 8 years, and I have seen some of those transferred to nursing homes living there for more than 5 years! Given that the Republicans want to cut back on Social Security, Medicare and Medicaid ----- just how in God's name is any "Average Joe" going to be able to afford any kind of quality of life with these kinds of costs? Do the people running our government have a CLUE just what kind of massive burden BOTH continuing good quality care for our growing elderly population is going to cost as well as the individual burden people will have to bear if the government pulls the rug out from under some of these people will be? Surely as a nation, we can "collectively" find a way to reasonably fund the programs we have now AND insure that they WILL be there as a safety net for people who live into their 90's! I would be very interested to know (if you are aware) what the costs of full care nursing facilities are running in your particular area of the country. If you're in your 30's ---- do you have any idea what these kinds of costs are going to be (especially if they are corporately run with the particular goal of profit) in another 40 years? If you're in your 50's or 60's what kinds of plans are you making now to ensure some quality of life into retirement if the government just decides, "We can't AFFORD to continue being the safety net for those in dire straits!" Will be interested in your responses. (also some stories you may have of personal experiences with elderly parents, etc.) Thanks!