Many people dream of retirement—time for travel, precious moments with family or just taking it easy. Some take classes or seminars to prepare for retirement; others talk with their financial advisers and accountants. But few of us take the time to plan for hospitalization. After all, who wants to think about ill health, let alone …more

“This isn’t what I thought my golden years would be.” My father’s words echoed in a time-lapse soundtrack that played back regularly in the recesses of my memory. He was a self-made, hardworking man, not given to complaining or griping, even when he had good cause. So his oft-repeated remorse about his disappointing golden years …more