ニューヨーク・タイムズのインスタグラム(nytimes) - 11月15日 01時20分

The U.S. has no coherent system for providing long-term elder care, leaving aging people to rely on a patchwork of solutions. Millions of families are facing daunting life choices and potential financial ruin as the escalating costs of care devour their savings and incomes.

The private market where a minuscule portion of families buys long-term care insurance has shriveled. Labor shortages have left families searching for workers willing to care for their elders at home.The cost of a spot in an assisted-living facility has soared to an unaffordable level for most middle-class Americans who qualify for nursing home care paid for by the government only after they run out of money.

The prospect of dying broke looms as an imminent threat for the boomer generation, which has vastly expanded the middle class and looked hopefully toward a comfortable retirement on the backbone of 401(k)s and pensions. The problem is only set to worsen: By 2050, the population of Americans 65 and older is projected to increase by more than 50%, to 86 million, according to census estimates. The number of people 85 or older will nearly triple, to 19 million.

The New York Times and @kffhealthnews, a nonprofit news organization, interviewed dozens of families and experts for the “Dying Broke” series, a joint project on long-term care. Read more at the link in our bio. Photos by @shuranhuang, @arinyoon, @fremson and @willdeshazer

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