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Long-term care insurance can be purchased from an insurance company, and some individuals can even purchase long-term care insurance through their employers or an organization to which they belong.

If you, or an aging family member, have long-term care insurance it will pay for the cost of long-term care as long as you or the aging family member need help completing two or more every day activities. Long-term care can be provided in a nursing home or other assisted-living facility, or it can be provided in your own home.

However, you should note that long-term care insurance isn?t the best purchase for everyone, aging or not. If you make enough money, or have enough savings, to pay for a few years of long-term care, you?d be wiser to save the premiums you?d pay each month for long-term care insurance.
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