Despite what the facts indicate, many people think they will never require Long Term Health Care. Maybe they think it means being in a nursing home.
Those in the military are not generally protecting themselves from issues of direct sunlight. Skin cancer issues can increase without advanced sun screen protection.
Ellen Goodman, of The Conversation Project, leads a national effort to get families to "sit down at the kitchen table" and talk while parents are still healthy.
Some people are planning on working to at least 65 or even beyond. However your health may not allow it and the impact can create problems for your bottom line.
LTC issues become bigger burden on mid-career women who tend to be the default caregiver for an older parent or in-law. An advance LTC plan before retirement is key.