67% of Americans will need some form of long-Term Care before they pass away. The vast majority of people have not planned for this near certainty which will leave them with no choices. They will be at the mercy of the Medicaid system. With the baby boomer generation in their retirement years, the amount of available care is becoming scarce. Planning for Long-Term Care allows you to make choices about the type of care you wish to receive, and where you would like to receive it. Also, Long-Term Care is extremely expensive and a major cause of people outliving their money. Pass that cost onto an insurance company.