Long-term-care insurance can prevent an extended nursing-home stay from erasing the savings you plan to bequeath to your heirs. But you'll need to keep paying the pricey LTC premiums after you retire, when you're likely to be living on a smaller income.
Earmark $50,000 to cover LTC premiums, and you'll be set for a couple of decades. To find an agent, visit AALTCI.org.
The payoff: A 55-year-old couple would pay $2,350 a year today for a policy that offers a $150 daily benefit for three years with inflation protection.
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