Glossary
40-70 Rule
Definition
A guideline that families should start care planning conversations when the adult child turns 40 or the parent turns 70 — whichever comes first.
The 40-70 Rule, popularized by Home Instead, is a memory aid. It says that by 40 (you) or 70 (your parent), your family should have started talking about future caregiving — money, health, housing, legal documents — even if nothing is wrong.
Families that start at 40/70 generally have more options, lower costs, and fewer crisis decisions than families that wait. The earlier you start, the more time you have for long-term care insurance, Medicaid planning, downsizing, and the conversations themselves.
See also
Related terms
- Sandwich Generation — Adults — typically in their 40s and 50s — who are simultaneously caring for aging parents and dependent children.
Sources
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