The aging population is no longer about demographics, states Rust, a pension actuary who consults with employers on the design and administration of retirement plans. It is about aging parents who need the help of their adult children. Not quite as sharp as they once were or perhaps physically unable to care for themselves, these parents require more services and may not know how to go about securing them. Though Social Security was once Americans' major source of retirement income, it now has fundamental problems, and "as more Americans live longer, Social Security is heading for an actuarial disaster," asserts Rust. Rust's book is a timely and well-written guide for adult children, their parents, or anyone planning for old age. Each chapter starts with a real-life case study followed by a detailed discussion organized into two parts: effective ways to get the most for your parents and the physical, emotional, and family issues that affect them directly. The full range of relevant topics include insurance, retirement accounts, government programs, the transfer of authority (complete with sample power of attorney and living-will forms), and more. This clear, comprehensive, and well-organized book is recommended for public libraries.-Bellinda Wise, Nassau Community Coll. Lib., Garden City, NY Copyright 2003 Reed Business Information.