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Thanks all! Very helpful information for both my mom and myself, I will keep this on my radar as those years approach.
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LH1943, I noticed in your profile that your Mom has Alzheimer's/Dementia. Sorry to say it would be very slim chances that your Mom could find a long term care insurance carrier that would cover her.

The best time to start buying long-term care insurance is when we are in our 40's and 50's, but when we were at that age such a product wasn't on our radar.
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Her health will determine if she can qualify for long term care insurance. Each insurer sets their own standards (and about 40% of those who apply after age 70 are declined coverage).

Rates will also vary. That is a reason we strongly recommend working with a specialist in the field who knows what health conditions each insurer accepts and can compare costs.

A couple of good resources for you (or mom) to look at:aaltc
Free consumer guides and videos (no sign-in info needed)
Some great tips on looking into this coverage

Happy to help.
Jesse S.
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