Dear Carrie: My husband and I are curious about long-term care insurance. It all seems so confusing. How can we decide if (and when) we should buy it, and if so, what kind?—A Reader
Dear Reader: Not only am I glad you’re investigating one of the biggest risks to retirement security, I’m also really happy you’re looking at this issue together. If either one of you ultimately needs long-term care, it will impact you both.
