In this episode of Policy & Purpose, we break down the essential facts about long-term care and disability insurance—two of the most overlooked yet financially critical types of coverage.

We explore insights from the NAIC’s Shopper’s Guide to Long-Term Care Insurance, helping you understand what long-term care includes, why Medicare doesn’t cover most of it, and how to determine if this type of policy is right for you or a loved one. You’ll learn about inflation protection, eligibility factors, and how premiums are calculated—plus, how disability insurance differs from critical illness coverage and when each one makes sense.

Whether you're planning ahead for aging parents, safeguarding your own future, or seeking clarity on rising care costs, this episode will help you feel informed and empowered.

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