Glossary

40-70 Rule

Definition
The 40-70 Rule: when you turn 40 or your parents turn 70 — whichever comes first — start the care-planning conversation. It’s a trigger, not a deadline.

The 40-70 Rule, popularized by Home Instead, is a memory aid: by 40 (you) or 70 (your parent), start talking about future caregiving — where documents are, who the doctors/lawyers are, income vs. costs, housing preferences — even if nothing is wrong. The first talk is 30 minutes and covers logistics, not end-of-life decisions.

Families that start at 40/70 have more options, lower costs, and fewer crisis decisions than families that wait until a hospitalization forces it. Earlier means time for long-term care insurance (best priced 55–65), Medicaid 5-year look-back planning, and actually visiting facilities before you need one. Revisit annually and after any major health or life event.

LovedOne — keep the conversation going

Talked about care? Give every provider one address your family shares: helen-smith-AB12@lovedone.app

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See also

Related terms

  • Sandwich Generation — Adults — typically in their 40s and 50s — who are simultaneously caring for aging parents and dependent children.

Sources

Sandwich is a directory and information site. This glossary is not legal, medical, or financial advice. For decisions that affect your family, consult a licensed professional. Editorial policy.