As my parents suffered lingering deaths from cancer and Alzheimer’s, they appreciated long-term care insurance, and their purchase enlarged my inheritance. I am a 62-year-old paraplegic planner receiving home care while working diligently—and subsidized retirement living terrifies me enough to save. After all, 70% of seniors will need long-term care, about 3.7 years for women and 2.2 years for men.