Someone turning 65 today has an almost 70% chance of needing some type of long-term care services, according to government data. Whether it's because of an injury, an illness, or simply growing older, that care is expensive. Long-term care insurance is a smart strategy to help protect your finances and your family. So, what is long-term care insurance? How much does it cost? And what does it cover? Get the answers you need on this episode of Fidelity’s personal finance podcast Money Unscripted with host Ally Donnelly and Fidelity’s Stefne Lynch. Learn more about the Alzheimer's Association at https://www.alz.org/ or call their 24/7 helpline at (800) 272-3900.  Hybrid life insurance with long-term care: https://www.fidelity.com/life-insurance/long-term-care/overview  How long-term care planning can help your loved ones: https://www.fidelity.com/viewpoints/personal-finance/long-term-care-planning    View all episodes here: https://www.fidelity.com/learning-center/money-unscripted.   New episodes drop bi-weekly on Tuesdays.   Have a comment or episode idea? We’d love to hear from you! Email us at moneyunscripted@fidelity.com.   Be sure to follow, like, and share Money Unscripted!   © 2025 FMR LLC. All rights reserved.