Summary: <p>I urge you to consider long-term care planning as a chapter in your estate plan. Yes, long-term care insurance is lousy, but it may be the only option. Would be worth giving up ½ of 1% of the return on your estate to protect your estate? Just remember<em> plan for it when you don’t need it, because when you do need it; it will be too late.</em></p>
