Across the United States, families are facing a growing challenge: there simply aren’t enough caregivers to meet the needs of older adults who want to remain at home. If you're in this situation, here's what you need to know.

Many people have purchased long-term care (LTC) insurance to protect themselves against the rising costs of care in their final years. In recent years, policy holders have seen their premiums rise, and their benefits decrease. A few years ago, two of the largest LTC insurance companies, MetLife and Unum, appeared before the Florida insurance commissioner to explain why they asked some of their policy holders to pay double what they paid in premiums the previous year. Unum ex

For seniors who can't live at home without assistance, Georgia's Medicaid Waiver program may be an option.