Having a long-term care policy helps the person maintain their independence and it allows them to stay in a familiar environment a lot longer if they wish.

It makes me sick to my stomach.

The scale of this is smaller than that, but it's the same kind of situation where there are people taking advantage of funds available to them, thinking that no one would ever know.

People can get a very basic plan or they can be very specialized according to the services and care they think they may need.

By doing the pre-planning, it can take the crisis management off of a child or loved one later on.

It's a great feeling to have witnessed 50 years of Indian independence,