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To "oldsis" -
62 isn't really so old nowadays.
"dilima" Do you mean "dilemma"?
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About a year ago I looked at long-term care insurance from a provider of excellent repute.
In one policy the total benefits were limited to about $200,000; another policy provided unlimited benefits,
at a much higher premium (natch).
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It seems to me that if you can afford to self-insure, that is the simpler way to go. You avoid all the hassle of forms to fill out, and you don't need to worry about the insurance company going broke.
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There is also the hope that Medicare will be expanded to include long-term care.
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