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I may have no personal caregiver if I need one. At least I need enough coverage to afford good assisted living or good nursing home.

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When I shopped for LTC insurance a few years ago at age 63, healthy female, the cost (through the national union that my local is part of) was $3-4k per year.

I decided to invest that money instead.
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Do know that there is a lot involved. For some, without savings, having a LTC policy actually becomes a problem, because they have an "income" that precludes them getting any governmental assistance, but does NOT provide all the funds need for care. And they NEVER DO give enough monthly to cover ALF, or a whole lot of in home care. Also policies started at your age will be very very expensive monthly. Also the LTC policies vary widely. Some go out of business. Some will only cover if your facility has an RN on duty 24/7. None do.
You need really good guidance. I would see a Fiduciary (licensed, not investment) or a Financial planner working with the aged or an Elder Law Attorney to go over the papers before I signed on. To check out the background of the policy-makers.
Best of luck moving forward.
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It might be a bit late to purchase LTC Insurance. If you do find one the cost will be pretty high. And the coverage might not be as good as if you had purchased it in your 40's.
Figure the cost of what it would be and put that money in an account that can be used later. The important thing is you can not touch that money for any reason other than your care.
Check AARP site and see if they have info there.
You can call some Life insurance companies and see what they have to say.
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