A little off-topic but what if you need care BEFORE you're elderly? think of the issues there. My sister was born with cerebral paulsy and it was made worse during a bungled eye operation at 18 months. She lived happily at home with us for many years but eventually grew to a size which made it hard for my mother (a single parent with a disabled daughter and a troublesome, angry son) to handle her any more.
Can you imagine the difficulty of choosing to have your daughter put in permanant care?
she's been in care now for probably 15 years, i'm not really sure how long, probably more. Some of the places she's been in were horrible, some a lot better, some actually quite good.
My grandparents faced the same dilemna. It can be brutal for a family. My aunt was held in by the nurses during birth, because the doctor hadn't arrived yet. Grandma blacked out from the pain, but as far as she can recall, the nurses forcibly held the baby from being born for almost 20 minutes, until the doctor showed up. Then, they let go, and aunty was born all at once, which can cause brain damage in and of itself. A tiny settlement was paid, roughly $2000, and grandma and grandpa were left with the brutal decision of what to do with her. The rest of the kids grew up dirt poor because of the cost of the institutions aunty lived in.