We are looking into long term care insurance. Taking care of MIL showed me how much we need it. It’s not just the day to day care it’s the nursing care required that runs into unreal expense. She is home and it’s not feasible long term (sadly) but we are doing what we can while we can. Being in a flare up I can’t do what I’ve done. So it puts more pressure on my guy to establish meals, scheduling care, etc, etc. So you are doing the right thing looking into it now. I’ve heard putting someone on the hcp who is not emotionally invested so when it comes time to do what needs to be done, they can make the decisions per hcp with less upset…then again, its a personal choice. All the best.