Bonnie bought LTC insurance over 20 years ago and thought it would be enough to cover her future needs. We discussed adding an inflation rider to keep up with costs, but she didn't want to pay the higher rate.  Today, when she needs help with dementia, her plan will pay for 5 hours of home care a day.  Compare that to my husband's mom's plan that paid for 10 hours per day and still wasn't as much as she wanted either.  If you take anything from this episode, I hope it's "Don't skimp!"  Your future self and your family need you to plan wisely.  Thank you to my husband, Paul Stoddart, for recording, editing and creating the music for the podcast