Long Term Care

Let's define what long term care is, because I think the image most people defer to is a nursing home. This is certainly the most expensive option; but long term care includes assisted living, home health services, etc... People want to stay in their home

Long term care (LTC) is probably the touchiest subject I discuss with all of my clients, and I would estimate approximately 85% do NOT want to insure for long term care. The reasons are varied - from it being too expensive to their children will take care of them. Yet statistically more people are going to need long term care than not, and it ends up be…