Most of us have heard the LTC story, 70% of individuals and 91% of couples will need some sort of LTC in their lifetime.  But if you ask most people LTC means nursing care...which is not the case.   Formal care spending is at an astonshing $241-B annually.  Surprisingly informal care nearly doubles that amount.   What is informal care?  Who is often a informal caregiver?  What issues affect an informal caregiver?     Informal Caregivers sacrifice Money, Time, and Health.   We must help…