My 66-year young mother, a retired-widow, is asking me whether she needs to get LTC or not at this point in her life. She is in good health, walks her dog twice a day, does gardening, occupies herself, visits friends and family. She mentioned she and my dad had saved all their adult life, she is on Medicare and has a supplemental health insurance for what Medicare does not cover. She gets my father's pension and will be getting her social security benefits soon by the end of the year. Is that enough to cover her? I will take care of her when the time comes but I hear a LTC insurance premium goes higher the older you wait. What do I tell her? HELP!