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Facts you should know about long-term care insurance

Almost everyone knows the merits of life insurance — the umbrella for that rainy day. But few of us consider that perhaps a bigger need is for long-term care insurance — coverage for the unfortunate event that you become incapacitated or disabled and unable to care for yourself. A 2007 national poll by Public Opinion Strategies found that 75 percent of Americans have made no preparations for long-term care. Well, it’s time to face the hard facts about long-term care.

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