07/20/2026
Long-term care is one of the biggest "what ifs" in retirement — and one of the most overlooked. It covers help with everyday activities, whether at home, in assisted living, or in a nursing facility.
Here's the part that catches many people off guard: Medicare covers very little long-term care. Planning ahead — while you're healthy and have choices — gives you far more options than waiting until care is needed.
It's a sensitive topic, but a worthwhile one to talk through with your family and a professional.
