I've been asked about long term care insurance.  Honestly,  I don't know what the answer to this question is.  If you make a ton of money and you are retired on more money than you can possibly spend,  or, if you order special glass sculptures from Venice, Italy's famous glass makers skip this article.  But, if you are like me and the people I hang out with you may find this article very insightful.   Hey, nothing wrong with having plenty of money, right Mr Buffet?  But for the rest of us, maybe this will be helpful.  http://moneywatch.bnet.com/retirement-planning/blog/money-life/cant-afford-long-term-care-insurance-consider-these-creative-strategies/1663/