Most of us think about a long period of retirement in good health. But, we know that all the kale in the world doesn’t guarantee good health forever. Someday it will be harder to do the ordinary things and we won’t feel so great; someday our spouse might need help. How do we pay for help, nursing care or physical therapy?Enter long-term care insurance, or LTCI, a policy that will pay for all kinds of care over the long haul, whether you’re in your own home, an assisted living facility or a nursing home.“But wait!” you’re thinking. “Doesn’t Medicare pay
