[jhynesrockmtn]

Long term care insurance is a difficult proposition. I'm a type 1 diabetic and can't get it, nor can I get life insurance. I don't really need the latter, house is paid off, etc. When I asked my insurance guy about the long term care part a few years ago he said there were not any policies that made sense anymore. The ones that were legit were no longer offered. This was probably 2017. At the end, my Mom's memory care cost was close to $9,000/month. Luckily she'd sold her house for a decent profit about 5 years prior to that. She passed early this year before her savings ran out.