Long-term care insurance is one of those things that responsible people buy, hoping to ensure that they don't become a burden on society or their family in their old age. Since Medicare doesn't pay for nursing home services, consumers must bear the cost themselves or rely on their families, or burn through their assets to become eligible for Medicaid.

But as so often happens to responsible people who try to do the right thing, affordable long-term care policies that prov...

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