Tom shared that there is dementia in his wife's family but not in his.  He wants a policy for her but doesn't think he'll need one. My mom's husband said the same thing several years ago, and now he has dementia, at age 68.  She's going to be upset that I am sharing this, but it's so important to consider how your decisions affect your family. You may never need long term care services, but what if you do? Who is going to have to step up and change their lives to help you and for how long? Who is going to decide where you're going to have to live? Who is going to have to sell all your stuff to qualify you for Medicaid? Who is going to sacrifice their future to keep you out of a Medicaid nursing home? All because you never thought you woudl need help someday... There are plans that pay your family back if care is never needed, so why not use some of your money to protect the rest while you're protecting your family from being forced to choose between multiple bad options to meet your needs? Schedule with me to start designing your plan at