{"id":1114,"date":"2025-01-03T09:12:26","date_gmt":"2025-01-03T13:12:26","guid":{"rendered":"https:\/\/www.certitrek.com\/cltc\/?p=1114"},"modified":"2026-01-21T09:46:47","modified_gmt":"2026-01-21T13:46:47","slug":"ask-a-financial-pro-can-i-afford-long-term-care-insurance","status":"publish","type":"post","link":"https:\/\/www.certitrek.com\/cltc\/ask-a-financial-pro-can-i-afford-long-term-care-insurance\/","title":{"rendered":"Ask a Financial Pro: Can I Afford Long-Term Care Insurance?"},"content":{"rendered":"<p><i>Question: Sorting out long-term care is a top concern as I approach retirement. However, I&#8217;m not sure how to best manage the expense. Is long-term care insurance worth it?\u00a0<\/i><\/p>\n<div>\n<p>Answer: The affordability of long-term care insurance worries many retirees and pre-retirees. A\u00a0<a href=\"https:\/\/money.usnews.com\/money\/retirement\/401ks\/articles\/your-guide-to-retirement-planning\" target=\"_blank\" rel=\"noopener noreferrer\">financial plan<\/a>\u00a0should account for this late-in-life spending, but many Americans cannot self-insure for the costs of a care facility or even in-home care.<\/p>\n<\/div>\n<div>\n<p>Introduced in the 1970s, long-term care insurance is designed to cover expenses for people unable to perform essential daily activities such as bathing, dressing and eating. The care can be provided at home or in facilities such as\u00a0<a href=\"https:\/\/health.usnews.com\/best-nursing-homes\" target=\"_blank\" rel=\"noopener noreferrer\">nursing homes<\/a>.<\/p>\n<\/div>\n<div>\n<p>Initially, LTCI was primarily associated with nursing home care, but its scope has expanded to include a broader range of services.<\/p>\n<p><a href=\"https:\/\/money.usnews.com\/money\/retirement\/articles\/ask-a-financial-pro-is-long-term-care-insurance-worth-it\"><strong>Read More\u00a0<\/strong><\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Question: Sorting out long-term care is a top concern as [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1117,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[41],"tags":[],"class_list":["post-1114","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ltc-in-the-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v19.4 (Yoast SEO v19.13) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Ask a Financial Pro: Can I Afford Long-Term Care Insurance? - Certification for Long Term Care<\/title>\n<meta name=\"description\" content=\"Sorting out long-term care is key to retirement planning. 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