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No one wants to consider a time when they are unable to do simple things for themselves like eating, bathing, or simply getting up.

But the care required at such a time can drain the financial resources you spent a lifetime building.

If you suffer health incidents such as dementia or a stroke, long-term care insurance covers the expenses that Medicare does not, including in-home care and a stay at a facility.

That allows you to leave more of your hard-earned money to your family.