Have you used long term care insurance?
This perhaps should go over in Financial but if you are here you may have used it rather than just planned for it.
My husband is in a nursing home as a private pay patient. Because the cost of LTC insurance was so high if available in my 30's I opted out of finding a company that offered it. It is much easier to find a company now. I simply increased the amount going into savings instead. My family members keep telling me to purchase the insurance although I am almost 70 and should???? have enough in my savings to cover both mine and my husbands nursing home care for about ten years with a combination of income and savings. I am wondering if anyone that posts here have any comments about it. Over the years I have heard many comments that people have dropped it because the rates have increased so much that it was too expensive. I have also heard other comments that once it was needed what was actually received was much less than what the original policy stated. I need something I can show pro or con to my family besides that to me at my age it does not make sense.