Hospice care is an important option for families to consider for a loved one.
Out-of-pocket health care costs in retirement are much higher for senior singles than for senior couples.
Swapping life insurance for long-term care options can be a possibility.
Longer lives and rising costs mean long-term care options have to be considered.
Adult children may be legally responsible for their parents' long-term care costs.
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Insurance, annuities and investment accounts
401(k) and pension plans
Government, education, healthcare, not-for-profit plans