Many Americans don't often plan for or even think of long-term care until they or a family member need it, far too late by many measures. Long-term-care insurance is one of the best ways to safeguard retirement savings, while hybrid products such as life-insurance policies with long-term-care riders offer an alternative. Consumers also can shop around for long-term care depending on their budget and needs, and a number of websites are available to help.

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