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I expect to remain at home should alzheimers or another ailment strike and require home care. My younger wife should probably outlive me.

This may not be a viable plan. I have a neighbor, the husband recently developed alzhimers, it became so bad that his wife, only a few years younger, could not keep/control him at home. Fortunately, she was able to get LTC insurance before he was diagnosed with dementia, I think by the skin of their teeth. He is now in a full time care center and she visits regularly. Sad, but true.

I recommend you have a 'Plan B' in place, just in case.

Ron W.
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