If you’re wealthy, you’ll be able to afford help in your home or care in an assisted living facility or a nursing home. If you’re poor, you can turn to Medicaid for nursing homes or aides at home. But if you’re middle-class, you’ll have a thorny decision to make: whether to buy long-term care insurance. It’s a more complex decision than for other types of insurance because it’s very difficult to accurately predict your finances or health decades into the future. What’s the difference between long-term care insurance and medical insurance? Long-term care insurance is for people who may develop permanent cognitive problems like Alzheimer’s disease or who will need help wit
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