The burden will also mostly fall on the woman (60 per cent) reveals research from specialist annuity provider Partnership.
The company says that while people often focus on the implications of going into care themselves, 13 per cent aged 45-65 have had to put their parents or parents-in-law into a care home and a further 15 per cent anticipate that they will have to make this difficult choice in the future.
A further 2 per cent of 45-65 year olds have had to make this decision for themselves (1 per cent) or their partners (1 per cent), says Partnership.
Women - who are often the primary care givers of an older relative - are more likely to be responsible for finding a care home than men (60 per cent vs. 40 per cent - men). And while choosing this avenue may have an impact on the entire family, just 41 per cent said that everyone was involved with this decision which suggests that for the majority (59 per cent) the choice is simply too emotionally or financially hard to be a part of.
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Emotions such as guilt at not being able to take care of a frail relative can play a significant role in the decision making process, according to Partnership, and 61 per cent admitted that it was a difficult decision and that they did not necessarily feel better once they had made it.
While the cost of a care home is often highlighted as a major concern for families, only 42 per cent said they felt that it was more expensive than anticipated which suggests that there is an increasing awareness about the implications of going into care.
Some 15 per cent of 45-65s said that they were worried about meeting the costs going forward and the younger generation (45-50) were the most worried (20 per cent) as they contemplated juggling this responsibility with other financial concerns.
Chris Horlick, managing director of Care at Partnership, said: "While we often focus on how families are going to meet the cost of residential care, we also need to realise that choosing to go into care or put an older relative into a home can have a significant emotional toll. In fact for some people, this is the hardest aspect of the entire process and while they often realise that this is the best decision, it is not necessarily the easiest one.
"That said, 42 per cent of people said that the cost of the care home was more expensive than they anticipated."