Many people have purchased long-term care (LTC) insurance to protect themselves against the rising costs of care in their final years. In recent years, policy holders have seen their premiums rise, and their benefits decrease. A few years ago, two of the largest LTC insurance companies, MetLife and Unum, appeared before the Florida insurance commissioner to explain why they asked some of their policy holders to pay double what they paid in premiums the previous year. Unum ex

For seniors who can't live at home without assistance, Georgia's Medicaid Waiver program may be an option.