Couples age 65 have almost a 75% chance that one will need some type of long term care. There are many more options now to protect and leverage risk in case of a claim besides expensive Long Term Care Insurance. Some companies will return your premium if LTC is never used and that pay cash to any caregiver even if it is a friend or family member. There are also annuities and life insurance policies that pay additional income if you need home health care or nursing home care.

Long Term Care

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Laura Johnson