Mention long-term care insurance to most Americans and their eyes will glaze over. Frankly, most people don’t want to dwell on growing old and how they are going to pay for home-health care, a room at an assisted-living facility and/or a nursing home stay. Some believe (probably erroneously) that the good old U.S. government — and the twin shields of Medicaid and Medicare — has got them covered. MORE ON TIMESFREEPRESS
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