Long-Term Care planning is all about choices. The choices yu make today could have a tremendous impact on the choices you and your family will have in later years. Initially when people think about long-term care insurance they think about not having to be dependent on their children and not outliving their money; then they realize that they are buying piece of mind and satisfying a financial risk. You can have choices in your latter years, like the choice to receive care at home. You worked hard for your money-it's your choice, the premium is small compared to the benefits. Plan Ahead...