If you don't yet have a long-term-care policy, consider the following to make it less expensive, as reported by Kiplinger:

Beginning in 2010, the tax law now permits a tax-free exchange from life insurance and annuity policies into a long-term-care policy.

Additionally, long-term-care insurance can be offered as part of an annuity contract, and no tax is due if the insurance premiums are paid with the annuity's cash value.

Also, the cash value in annuities and life insurance policies can be used free of tax to purchase long-term-care coverage.

Your professional advisor can get the details at Notice 2011-68.

I'll be writing more about long-term-care policies in the near future.  My wife is currently getting home care-giving services as a result of an auto accident she had in late January. The policies are expensive, but when needed you're glad you have it. 

You wont  hear from me for about a week as I have a full plate tomorrow and then going to Boston to visit relatives.

Jerry