An excerpt:

Dying is the most certain reality of human life, but perhaps the most unknowable. And as America continues to age, the issue of how we pay for the care we’ll need before death is becoming a crisis.

Nearly three-quarters of all Americans who reach the age of 65 will need some form of long-term care in their senior years, according to the U.S. Department of Health and Human Services – 20% for longer than five years.

See Is Long Term Care insurance a good idea? Yes, but it may cost you. in USA Today