: Use resources like LongTermCare.gov or the Genworth Cost of Care Survey to find daily rates for home health aides, assisted living, and nursing homes.

Often easier to qualify for if you have minor health issues. Requires a significant lump-sum deposit. 3. Evaluate Carrier Stability When to Buy Long-Term Care Insurance for Yourself - AARP

: Decide on a daily benefit amount (e.g., $150/day) and a benefit period (typically 2 to 5 years, though some offer lifetime coverage).

Before shopping, determine the "shortfall" between what you can pay out-of-pocket and the actual cost of care in your area.