 The kids can help out and assist, but I think it's important to have a plan so you don't put your kids in an uncomfortable position, both for health care and then tax strategies, how to leave the money that's left over so it still goes to them, that you don't spend it all on health care benefits. But ideally, if you can, leave them some money to take care of the grandkids, but try to do it as tax efficient as you can.