At some point in their senior years, most Americans will need long-term care, writes long-time Washington Post columnist, Michelle Singletary.

The problem, she says is many people don’t realize that Medicare does not cover long-term care except in limited situations. Medicaid does provide coverage, but to qualify for the benefit, you have to be low-income.

The cost of healthcare and long term care is a source of concern for many people all over the country, including in Wisconsin where many families face caring for both young children and aging parents. Many families turn to in-home help.

According to the Labor Department, the need for home health aides and personal-care aides is projected to grow 36 percent from 2018 to 2028, much faster than the average for all occupations, the Washington Post reports.

Also, projected to grow? The cost of hiring in-home help.

Genworth also reported that the cost of homemaker services — in which an aide may help with tasks such as cooking, cleaning and running errands — has increased 7.14 percent in the past 12 months, reported The Post.

That’s four times the increase in the median cost of a private room in a nursing home, which rose 1.82 percent.

Read more about the rising cost of in-home elder care.