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Why don't older Americans buy long-term care insurance?


"You need long-term care insurance." It's a statement financial advisers have been telling many of their clients for years now. And it's pretty clear why, as the costs to pay for long-term care on your own can be staggering: The average assisted-living facility charges $39,516 per year and the average nursing home $83,585 per year for a private room, according to the MetLife Mature Market Institute — and these costs often aren't covered by Medicare. more

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