Credit: In this photo taken Wednesday, Dec. 23, 2009, Rev. Robert Myers, poses with a photo of he and his wife, Bonnie, at the Church of the Holy Comforter in Kenilworth, Ill. Seven years ago, Myers bought long-term care insurance _ and he's grateful. Myers' wife, who died in December 2008, needed care as she fought cancer. Most people aren't like Myers. People may want to plan for the future, but they need a nudge to overcome their avoidance and laziness. At least that's the assumption behind a program tucked into the health care overhaul legislation emerging from Congress. The program sets up a voluntary long-term care insurance program that would be run by the government. (AP Photo/Nam Y. Huh)
Survey: Caregivers in US face out-of-pocket costs, miss work
