A 64-year-old man is gearing up for retirement with $1.5 million in his 401(k), a$2,000 monthly Social Security check and no debt beyond a $1,700 mortgage. His diabetes is under control, but the reality of aging — and the possibility of needing help down the road — has him asking a big question: Should he buy long-term insurance? Must Read It's a common question — and a good one. Long-term care insurance (LTC) helps cover the high costs of in-home care, nursing facilities or assisted living if you need ...