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IT'S ANYTHING BUT a sure bet. But before you help a parent or other elderly relative, sort through the long-term-care strategies. It's a good idea to see what the likelihood is that he or she will need such care in the not-too-distant future. (This, after all, is what insurance companies do in their underwriting practices.) Here, with the help from a number of gerontology experts and the National Council on the Aging, is how to make a thumbnail appraisal of your loved one's retirement health. (Do each parent separately.)
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