We never know what the future holds, but one thing we do know is a long term care event can ruin even the best plan.
As of today 70% of those over age 65 will need some sort of long term care. That number will only go up as our advances in health care continue and we live longer lives.
While median costs today around $50,000/yr might sound high, how much more do you think it will cost in the next 20 years? There are not to many people that can afford to pay that kind of expense without disrupting their retirement plans.
You have a medicare supplement to cover what medicare doesn't. Do you have a plan to cover what medicare and your supplement doesn't?
That is what a long term care plan is, weather you decide to self insure or use some sort of insurance having a plan in place is critical and is missing for most people today.
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