This week, I'm kind of on a soapbox. It seems that some people will keep asking about LTC insurance until someone tells them they don't need it. No one knows if we'll need help living at some point or not. We need to ask ourselves who the insurance is going to help. We're going to get care whether we plan or not. We need to ask oursleves who wil suffer the consequences of our failure to plan. It's the people helping us. We say we don't want to "burden our family", but by not discussing where we want to live, who we want helping us and how we will pay for care, by default, we are burdening them. Please review current and projected costs of care where you live here and please use at least a 4% annual increase in costs as we've seen that and more across the country over the last three decades. Then, schedule a phone or zoom meeting with me to design your family's plan here