Haffner, noted sex educator and author of From Diapers to Dating and Beyond the Big Sex Talk.“There’s 30 years of research out there that says when parents talk about sex, the talks don’t lead to sex,” says Haffner.

Kids didn’t “ask” for hormones at age 12, but they are stuck learning how to handle their changing bodies and urges in a society that shows them “yes” but tells them “not now.” The information contained on this Web site should not be used as a substitute for the medical care and advice of your pediatrician.

As I recall it now, 25 years later, the conversation seemed more focused on fallopian tubes, ovaries, and the mechanics of reproduction (which I already knew about) than on the real issues in my head: cute boys, love, feeling good.

My mother was a product of her time and had her own discomforts with frank discussions of intimacy and sex.

In most cases, the dependents include the spouse, children, and parents.

However, a person may make anybody the beneficiary of the policy.