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Matthews, the author of Long-Term Care: How to Plan & Pay for It.
Do the math and you'll see that for round-the-clock assistance, the tab can run as high as 0,000 a year, making home care a very costly option.
"If you need a lot of care, and you don't have family who can help, a nursing home is the most practical choice," says Matthews.
Annual costs range from less than ,000 to nearly 0,000 a yeara fortune, but potentially less expensive than hiring home health aides.
To find an in-home aide, ask others who have used one or consult a geriatric care manager.
It might cost more to employ an aide through an agency, but if any sort of problem arises, the agency will furnish a replacement quickly.