Who will take care of us when we can't take care of ourselves? And how much choice will we have in the matter, once the time comes?

Noelle McCarthy talks with Janet Colby: watch the video here

Who will take care of us when we can't take care of ourselves? And how much choice will we have in the matter, once the time comes?

Janet Colby is in her early sixties. She lives in Auckland, with her partner and one grown-up son. She and her younger sister shared the care of their parents before they died. Both had wanted to stay at home as long as they could.

"My father went into hospital for elective surgery, supposedly for two weeks. And when he went to hospital we realised that mum needed support at home, couldn't be left alone.

"Dad didn't leave hospital. He was in there for three months, so we were basically caring for both parents."

One of the side effects of living so much longer than we used to, is that age people also older when they join the Sandwich Generation - when they are caring not only for their own children, but for their ageing parents too.

Sandwiches used to typically be aged in their 30s and 40s, but that experience is being pushed out until later in life, when we have a full load of work, childcare and a raft of other commitments.

Janet's mum died in August last year, aged 86. And over the nine months leading up to that point, she visited her almost every day.

"It was a privilege to give back some of the love that they'd given us over the years - and it was really stressful," she says.

Although district health boards provide some support for people caring for relatives at home, the majority of the work falls to the families.

"Mum was under older people's care," says Janet, "they provided someone to come in three times a day. That was just to wash my mum and check on her, but that was very minimal and we really needed to be a voice and oversee what was going on.

Janet and her family were lucky to be able to rise to the logistical, financial and emotional challenges involved in caring for an ageing, sick parent who wanted to stay in her own home.

"We didn't really talk about it, we just did it. I think the thought of going to a resthome is horrifying and I totally understand my mother, that she didn't want that."

Janet's mum died within a year of needing fulltime care, but there's no way of predicting how long relatives will need looking after…

Go to this episode on rnz.co.nz for more details