Answers raises the questions that no one else talks about. It offers personal insights on death and dying, life in different levels of care in a retirement community, and how you can avoid some of the nightmares of growing old.

Tim Johnson brings academic expertise from post-graduate studies in managed health care, senior housing and gerontology to bear on the issues he dealt with every day as retirement community marketing director, long-term care insurance representative and elected official.

On managed care, Tim says, "HMOs are a plague on America. The plague is carried by rats, HMOs are carried by agents."

Answers is the conversation you never had with your family, your physician or your clergy that may change the rest of your life.