As social workers well know, of United States is aging rapidly (Keigher, Fortune, & Witkin, 2000). Galambos and Rosen (2000) noted that in 20th century, the percentage of Americans ages 65 and older...more than tripled, and number...increased nearly 11 times (p. 13). Between 1970 and 1999, median age in United States increased from 28 years to 36 years, and in 2030, more than one of five people will be over age 65 (Council on Social Work Education/SAGE-SW, 2001). By 2050, percentage of older adults in will exceed percentage of children and of oldest-old (85 and older) is also growing rapidly (Hooyman & Kiyak, 2002). The aging of will exacerbate an existing crisis of informal caregiving in United States. Currently, approximately 100 million people suffer from chronic conditions, and 41 million of these people face limitations in their daily activity (Older Women's League [OWL], 2001). Although disability rates have declined among older adults in recent years, rapid aging of population, along with growth in of oldest old, is likely to increase number of individuals with chronic and disabling conditions (Manton & Gu, 2001; OWL, 2001). More than 40 percent of individuals over age 85 require assistance with activities of daily living (Quadagno, 2001). For many people with disabilities, informal (or unpaid) caregiving from family or friends is a crucial form of support. In 1997, 27.6 million adults provided an average of 17.9 hours of care to adults in United States (Arno, Levine, & Memmott, 1999). The total number of informal may be as high as 52 million (OWL. 2001). In 1997 economic value of informal caregiving amounted to $196 billion (versus $155 billion for paid services and support) (Arno et al.). Many older adults with disabilities rely on informal as their sole source of (Takamura, 2000, p. 130). Yet, despite importance of informal caregiving, our society offers minimal support to those who offer these services and support (OWL, 2001). NEEDS OF CAREGIVERS The primary burden of informal caregiving is borne by women, usually daughters providing support for aging parents. Indeed, almost 75 percent of to older adults are women (OWL, 2001). Although men also support aging parents, division of among caregivers parallels division of labor in society, with men assisting with household chores and financial management and women offering hands-on care such as feeding, dressing, bathing, or cleaning up after a bowel accident (Quadagno, 2001, pp. 338-339). Women also provide more care than men provide and experience levels of stress and less satisfaction with life than sons (Quadagno, p. 340). The typical caregiver is a middle, or sandwich generation, female caring for aging parents and children and, in some cases, grandchildren (OWL, 2001). Female also often work full-time. Caregiving is a particular problem for women of color. More than 50 percent of African American and Latina (and Latino) care for both an older person and a younger one, compared with 20 percent to 40 percent of general population (OWL, 2002b, p. 15). The changes in role of women in society offer a useful context for understanding impact of becoming a caregiver. Women are participating more and more in workforce (Cherlin, 1992). Their options are no longer limited to unpaid caregiving roles in home. Although things are slowly changing, women are still concentrated in segments of economy where wages are low and security and fringe benefits minimal (Hooyman & Gonyea, 1995). Women also assume responsibility for a disproportionate share of work in families. Employed are at higher risk of health-related problems than nonemployed (King, Oka, & Young, 1994). …