In This Issue:

- Demographics = Destiny

- It's (Very) Expensive

- Make Planning a Priority

- How to Shop for Long-Term Care Policies

- Buyer Beware

- Excerpt from Introduction: Looking Ahead: Preparing for Long-Term Care:

Preparing for our later years means being concerned not only with living expenses, but also ensuring that end-of-life medical preferences will be affordable, whether we live in a care facility or independently.

This month we examine long-term care -- what it is, how much it costs and how to protect yourself from being surprised or getting ripped off when considering long-term care insurance policies.