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For HSA's, just remember the account needs to be open at the time of service. You can't be reimbursed for medical expenses that were incurred before the account is open.

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The term "sandwich generation" has been around since the early 1980s and really came into focus in the late 20th century (it was added to the Merriam-Webster Dictionary in 2006). It originally referred to women in their 30s and 40s so the demographics will change but the concept remains the same. Now, there's the "club sandwich generation"--older adults in their 50s or 60s who are wedged between aging parents, their adult children, and possibly grandchildren. This term can also refer to younger adults in their 30s or 40s who have younger children, elderly parents, and aging grandparents.

PS--it would help to use gift links. I don't subscribe to the WSJ and I couldn't read the entire article.

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