Expenses can be a huge stressor in life. The last thing many people want to do is purchase an insurance policy that will add to their list of bills and expenses. However, many of those people will end up having to shell out much of their life savings just to afford a portion of their long-term care, and many will outlive their savings. Unfortunately, this is the reality of the matter, but there are ways to find affordable care and not reach a point of financial havoc, and most of this has to do with timing.

A common misconception is that[…]