As a 58 year old widow with no children, I am planning my own care. I have no right to expect anyone to give up their life to care for me!

There's an interesting thread here about LTC insurance. https://www.agingcare.com/questions/seeking-input-on-ltc-insurance-494004.htm You're at the right age to purchase, if you get professional guidance that it may be a good option for you, especially if there's a family history of early health or cognitive problems. Having a LTC would necessitate having financial and medical PoAs who are willing/able to navigate working with an insurer.

Good for you! Taking control is the best way to plan for tomorrow, whatever it may hold.

Hi Sid, you are taking care of your own future and it feels good, I'm sure!