There are 114 million seniors and baby boomers, and additional millions of young working adults in our country. Only about 8 million of them have long-term care insurance, according to the American Association for Long-Term Care Insurance.

That is rather hard to understand given that almost one in two Americans could spend time in a nursing home, according to the New England Journal of Medicine. And while younger workers might be unconcerned now, there are no age restrictions on the need for long-term care. A disabling sickness or catastrophic accident can happen to anyone, at any age, at any time. In fact, 40 percent of the nation’s functionally disabled people who need long-term care are between the ages of 18 and 64.

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