And the companion might change from day to day and week to week. This was our big problem when my mom was alive - there were some caregivers we really liked, and some we didn't care for so much (like the one who watched soaps all day and kept going outside to grab a smoke).

But yes, if you can get some kind of long term care insurance now, and maybe do it as a payroll deduction, your family will be better off.
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