About 70 percent of people turning 65 can expect to need some kind of long-term care service as they age. Yet, only about 1/3 of us are planning or saving for it. Many don’t realize that several types of long-term care are not covered by health insurance, including Medicare. If you’re 40 plus, www.longtermcare.gov
is a good place to start thinking through a strategy that works for you and your family.