The biggest fear women 50 and older have about retirement is that they might become a health care or long-term care responsibility for their families.

While the prospect worries men, too, a Nationwide Retirement Institute survey reveals that more women are worried about that prospect—66 percent of respondents said so—than the 50 percent of male respondents who said so.

In addition, 78 percent of those worried women said that they're worried about having enough money to cover long-term care expenses.

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