Long-term care insurance isn’t just about nursing homes — it’s about protecting your independence, your savings, and your peace of mind as you age.

Here’s what you need to know:

🏥 What Is Long-Term Care Insurance?

It helps cover the cost of services that aren’t typically covered by Medicare — like in-home care, assisted living, adult day care, or nursing home stays.

💸 Why It Matters

The cost of care can add up quickly. Long-term care insurance gives you options if you ever need support with everyday tasks like bathing, dressing, or cooking — without draining your retirement savings.

⏰ When Should You Buy It?

The earlier, the better. Premiums are lower and approval is more likely when you're younger and healthier — usually between ages 50–65.

📋 Things to Ask When Shopping

What daily benefit does the policy provide?
Is there a waiting period before coverage starts?
Are benefits adjusted for inflation?
How long will the policy pay out?

Every plan is different, and not everyone needs it — but understanding your options now can help you avoid tough decisions later.