It is clear that individuals and families need better options for long-term care. This is especially true in rural communities like ours, where people want the resources to age or take care of a loved one at home.

Private insurance used to be an option, but it is not affordable for most of us now. Worse, many plans do not cover pre-existing conditions.

This leaves families with terrible choices. Many spend their life savings, sell their homes and go into bankruptcy to pay for long-term care.

We even see couples married for over 50 years get divorced – not because they no longer love e...