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Is federal long-term care insurance worth it? A comprehensive analysis

According to the U.S. Department of Health and Human Services, about 70% of people turning 65 will need some form of long-term care services during their lives. This statistic underscores a vital question for many retirees and federal employees: **Is federal long-term care insurance worth it?** For those eligible, understanding the Federal Long-Term Care Insurance Program (FLTCIP) is a crucial step in secure financial planning.