By Lane Gillespie, Bankrate.com

Katey Davern, a 46-year-old in St. Paul, Minnesota, has learned firsthand just how much paperwork is involved when planning someone’s last years.

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Davern, along with her three siblings, started planning for their elderly parents’ end-of-life needs about three years ago. As the parent of five children herself — three of whom are under 18 and still live at home — Davern is inc

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