Did you know that less than half of all Americans turning age 65 will ever need nursing home care, according to the U.S. Agency for Healthcare Research and Quality? Did you know that some retirement communities will double your monthly fee when you need more care? Do you know what unique challenges women or seniors of color face in retirement? Answers raises the questions that no one else talks about. It offers personal insights on death and dying, life in different levels of care in a retirement community, and how you can avoid some of the nightmares of growing old. Tim Johnson brings academic expertise from post-graduate studies in managed health care, senior housing and gerontology to bear on the issues he dealt with every day as retirement community marketing director, long-term care insurance representative and elected official. On managed care, Tim says, "HMOs are a plague on America. The plague is carried by rats, HMOs are carried by agents." Answers is the conversation you never had with your family, your physician or your clergy that may change the rest of your life.