The COVID-19 crisis has focused national attention on long-term care, and many people who are starting to plan for their retirement are finding that insurance for that care is not what it used to be. With the pandemic decimating assisted-living facilities, people are considering alternatives, such as in-home care, as well as how they will eventually pay for it.

This has become an important discussion with financial advisers, many of whom are addressing long-term care planning with annuities and other products.

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