Perhaps you’ve bitten the bullet and purchased long-term care insurance, or decided to pay out of pocket for long-term care. Or, if you’re like many people, what to do about long-term care is just a nervous thought that flits through your head from time to time–triggered when you hear about a relative being diagnosed with Alzheimer’s disease or a friend shouldering the care of an elderly parent.

There’s no right answer for everyone. But as you determine your long-term care strategy, it’s best to do so fully armed with the facts: the likelihood that you’ll need long-term care and what it might cost, the costs and benefits of long-term care insurance, and exactly what the government covers for you (and, mostly, what it does not).

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