While many people consciously plan for having children, most do not consider that they may someday be “having” an elderly parent. Adult children of older loved ones often report being caught off guard by their older parents’ needs. Many families deny the changes taking place with their elderly parents, even when role reversal has clearly begun. Most people don’t recognize what normal aging really looks like so they have trouble distinguishing illnesses from the norm. It can also be hard to comprehend how much Medicare, Medicaid or private insurance won’t be paying for when significant help is needed for the senior.