Odds are good that you already know someone who has needed some form of long-term care.  While we never want to think of ourselves or our loved ones in that situation, it is important to plan ahead.  With the costs of care always rising, it is important to factor in this scenario with retirement and life planning. 

Whether it is through savings or long-term care insurance, the goal is to make sure that long-term care expenses can be met, should the need arise, without destroying the bright financial future you have worked so hard to create.