That's also when eligibility is most likely, and costs are lowest. Realistically, however, people are more likely to think about the issue when the retirement years first roll around . For some, this will be their last chance to get insurance at a cost they can afford. Moreover, at this point people may know better how geographically distant their children are likely to be and how likely it is that they can help out. It is then that people's attention to the long-term care risk becomes much more sharply focused.
Many people begin to worry, and some become scared.
But at this point, buying private long-term care insurance becomes much less feasible. It is important to realize that there are other things people in later life can do to meet the long-term care challenge . The American health care system is currently undergoing rapid change. You need to become a good health consumer shopper. Some health care options take better account of long-term care needs than others.