Long-Term Care Insurance for Chronic Illness: Is It Worth It?

Living with a chronic illness can be physically, emotionally, and financially challenging. Conditions such as Parkinson’s disease, arthritis, diabetes, and multiple sclerosis often require ongoing care that goes beyond standard medical treatment. For those managing chronic conditions — or for individuals who may develop one later in life — Long-Term Care Insurance (LTCI) can provide vital financial protection and peace of mind. But is investing in LTCI worth it if you have (or expect to have) a chronic illness?

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