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Hi, and welcome to the Longview. I'm Christine Ben's Director of Personal Finance and Retirement Planning for Morningstar.

And I'm Amy Arna, portfolio strategist for Morningstar Research Services.

Our guest on the podcast today is Howard Kleckman. He is the author of a book called Caring for Our Parents and an expert on the topic of aging and caregiving.

Howard is also a senior fellow at the Urban Institute where he's affiliated with the Tax Policy

Center and the program on retirement policy.

He also writes a tax and budget policy blog called Tax Fox, which is available at Forbes.com.

Before joining the Urban Institute, he was a senior correspondent in the

Washington Bureau of Business Week. Howard, welcome to the Longview. Thank you. It's a pleasure to be here.

Well, we're thrilled to have you here. This is a topic that we've been wanting to delve into for some

time. Before we get going, there is a lot of confusion about what we mean when we say long-term care.

Can you clarify?

Yeah, so it's the personal supports that people with chronic illness need to live the best

possible life they can.

So it's not health care.

It's sometimes a company's health care, but it isn't medical care.

It's personal assistance. It's help with what care, but it isn't medical care. It's personal assistance.

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