Did you know that someone turning 65 has a 70% chance of needing long-term care at some point of their life? Couples, of course, face double the odds and just one pool of assets to cover the costs. Plus, did you know that the average yearly cost of nursing home care (in a private room) currently exceeds $140,000? Long-term care insurance can help with these costs, but you must have the proper coverages. A bare-minimum policy won’t be there for you when you need it most. AAA Washington Life and Retirement Services and its partners at Fortress Mega* are here to help with expert answers and knowledge.