You insure your car, your home, and maybe even your pet, but what about the care you might need when you can no longer take care of yourself? With nearly 70% of people turning 65 expected to need some form of long term care, this is one of the most important and most avoided conversations in retirement planning. In this episode, Jaime Cowper breaks down what long term care actually means, why health insurance and Medicaid likely won't cover it, and how newer hybrid policies have changed the landscape. She walks through real cost ranges, the Medicaid five year lookback rule, tax benefits, and the partnership programs most people have never heard of. If you're approaching retirement and wondering how to protect your savings and your family from one of retirement's biggest unknowns, this episode was made for you.