Long-term care insurance: Buy it or not!

Subscribing to a long-term care (LTC) insurance plan for future health care and services is one of the most difficult decisions aging Americans need to make today. Although it may be difficult to predict who will need an LTC plan and for how long, various factors play an important role in determining whether to purchase LTC insurance. This article provides general information about LTC plans including private insurance, their coverage, and implications for gerontologic nurses.