<prompt> Human: To start, my father wasis a very irresponsible with saving and building for retirement. My father has never filed an income tax return. He has always been paid cash and never reported it. He is 67 yo and still works and continues to get paid under the table like always. He is still in fairly good health and looks younger than his age, but I know that his body will fail him someday.Here is my dilemma: Unfortunately, because of this act of carelessness, the burden of having to find a way to care for him when he no longer can support himself will fall on me and my siblings. The thought of having to support our families and our father, especially with the current astronomical health care costs of today, is something that I struggle with. I dont know how to tackle this problem when the time comes. Has anyone faced this dilemma before and can advice? I think long term care insurance is an option, but the premiums will be so expensive given his advanced age. Not sure what to do.  <response>: Look into long term care insurance. Yes its expensive but its nothing compared to the cost of him going to a home if he needs it. Or live in care for that matter. You and your siblings will need to decide if youll pitch in to buy a policy for him or if hell just have to go to a medicaremedicade facility.If he literally always worked under the table that means hes never paid into social security which means he shouldnt be getting any money from social security. Just a heads up. 