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To "oldsis" -
62 isn't really so old nowadays.
"dilima" Do you mean "dilemma"?
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).
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.
There is also the hope that Medicare will be expanded to include long-term care.
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