What is the probability that you'll be involved in family care?

The probability of your being involved in family care is high. More than 60 percent of the U.S. population will need long-term care at some point. This figure becomes much higher when you factor in such things as illnesses, surgeries and accidents. Also keep in mind that almost all long-term care begins at home.

Remember, taking on increased family care responsibilities may be nothing more than checking on a family member more frequently than before, due to a change in circumstances. Or it may be as abrupt as a phone call in the middle of the night, telling you that a loved one's health has dramatically changed.