I would just like to take the time to tell people to have their long term health care planned for. Even with good insurance my fathers final days was not the easiest. The hospice program failed to provide significant help, with only a 1 hr nurse visit once to twice a week. In the end my fathers care came from primarily my mother and myself, with the help of the occaisional family member or friend. Now I assume not everyone has a mother who is a nursing supervisor, aunts who are all RNs, and friends who are doctors to give them a crash course in nursing care. Or are able to drop out of the workforce for 2 months. Which leaves realistically one option to spend one's final days at home instead of a nursing home, which is a home-health care nurse. These nurses of course do not come cheaply, and if you are not of a certain age medicare will be of no use. Besides all the general indignities that are associated with a nursing home, in most states it is in a nursing home's right to seize all of a patients assets in order to pay for care if no other means are forthcoming (ie. long-term health insurance as even most good health insurance does not cover the costs). I have seen numerous people who have had homes, farms, and businesses seized and in return have received questionable care. Do not wait till the final days to make your plans. All it took was one seisure and my father was paralyzed and lost all ability to speak or even cognate in the basic of levels to make his final wishes known. Even the most loving and close of family can only guess at what one desires at this point. We all speak bravado about the end, but the end often comes suddenly and leaves us at our most weak and vulnerable state. Anyways who can predict their own end, despite whatever signs we always have hope.