Forbes contributors publish independent expert analyses and insights. I cover tax, budget and retirement policy from Washington Three things are true about long-term care, though many Americans don’t ...

Most Americans think Medicare covers long-term care, the regimen of daily help that many seniors will eventually require. It does not. That basic misunderstanding has retirement experts worried. It ...

Medicaid has expanded dramatically since the pandemic, and we firmly believe that abuse must be stamped out and costs kept ...

“We’ve been paying into long-term-care insurance since we were in our mid-50s,” said a friend, now in her late 60s. “But with all of the premium increases, we might have been better off just investing ...

Deciding between a stand-alone or hybrid long-term care policy can be confusing. We asked ChatGPT for advice, then had a licensed long-term care insurance specialist review its answer line by line.

States are stepping up to respond to the need for long-term care services and supports in innovative ways. A panel looked at some of those strategies during the 2025 Harkin Institute Retirement ...

Planning for retirement isn't just about how much you've saved. It's also about how you'll handle the expenses you can't fully predict. And, one of the biggest unknowns for older Americans today is ...

Stand-alone long-term care insurance policies have been waning in popularity, owing to a combination of skyrocketing premiums and difficult claims experiences by consumers. In their place, so-called ...

Do long-term care (LTC) insurance policies cover medical and non-medical in-home care? Yes, they do. But make sure you read the actual fine print. Not every long-term care insurance policy covers home ...