So I'm wondering how common is it in the current time that most people will have an extended period of years before death where they require caregiving? I know this site is devoted to caregiving so it looks like 100% of the time but this is a self-selected group. A few years ago my insurance agent was trying to talk me into insurance for this, but even their best very expensive policy only covered three years in a nursing home before it gave out - it hardly seemed worth it. Have things changed from how they used to be, say 20-30 years ago? Did the end of life always become this extended lingering situation?