Estate Planning is Critical. Including a Hybrid Long Term Care Insurance Policies may be a great option.
Check out the Wall Street Journal article on including Long Term Care Insurance "Hybrid" policies in your estate plan.
Many people do not realize the significant cost to caring for a loved one or themselves. Home Care is extremely costly and needs the appropriate planning.
If you have or are looking to purchase a Life Insurance Policy, this may be a great option to look into to include a LTC rider or Hybrid policy.