You are a savvy planner. You know that comfort in retirement comes from proper planning, and the sooner you start planning, the better off you are. You work hard, saving as much as you can, contribute to your 401k or other employer savings, and you diversify your investments. You protect your family against potential hardship by having life, health, and disability insurance and work with a financial planner to ensure you’ll be financially secure after your working years are behind you. Despite all this planning, when the subject of long-term care comes up, you think you’re too young to worry about that - which may not be the case. In fact, long-term care may be the single most significant uninsured financial risk Americans face, with the national average cost of a private room in a nursing home running over $94,000 a year; even higher depending on where you live. Home health can also present a financial challenge, with a national average cost of almost $30,000.1 The result – even the most savvy planner may find these costs greater than what they are willing or able to pay out-of-pocket.