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Do You Really Need Long Term Care Insurance?

Long term care insurance is designed to help you cover the costs of a nursing home or other skilled care as you age. As with most insurance policies, you must consider purchasing it before you need it, as policies become either unavailable or prohibitively expensive once it becomes clear that you need the protection. Long term care insurance generally provides financial help for those who need specialized care on a daily basis. And with rare exceptions, once you start needing nursing-home care beyond a rehabilitation stint that Medicare or your health insurance will […]