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Long-Term Care Insurance: When to Buy
Trivia: Measured by surface area, what is the world’s largest inland body of water?
RetireHub
September 15, 2025
Rise and shine, RetireHub community! ☀️ Your Monday newsletter is here!
Today we’re sharing smart tips on Long-Term Care Insurance: When to Buy, along with the best deals, fun trivia, and more!
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What We’re Reading
Get these e-book deals before they’re gone.
 | By: H.Y. Hanna A cozy English village, a clueless city girl, and a cat who thinks he knows it all... She can't grow roses—but murder is blooming nicely. Poppy never expected to inherit a lush cottage garden nursery, complete with nosy neighbours, a bossy ginger cat, and a dead body! Now she's digging for clues—but may just end up digging her own grave too. |
 | By: Patricia Leavy When Hollywood movie star Finn Forrester and philosopher Ella Sinclair meet on an exotic film set in Sweden, their connection is palpable. Living on location, making a film that explores the big questions of life, they fall madly in love. Will they be able to trust it and ask themselves the biggest question of all? |
On this day in 1835, Charles Darwin reached the Galápagos Islands aboard the HMS Beagle.
During his five-week stay, he observed giant tortoises, finches, and other unique wildlife that would later inspire his groundbreaking theory of evolution by natural selection. His careful notes and collections from the Galápagos became a cornerstone in reshaping how humanity understands the natural world.
Long-Term Care Insurance: When to Buy
Planning for the future can feel overwhelming, especially when it comes to health and finances. One topic that often comes up for older adults is long-term care insurance—a type of coverage designed to help pay for services like in-home care, assisted living, or nursing facilities when daily activities become difficult. But the big question many people ask is: When is the right time to buy it?
Long-term care is expensive, and relying solely on personal savings or family members can put a heavy burden on everyone involved. That’s where insurance steps in. By paying premiums now, you can potentially save yourself and your loved ones from significant costs later. However, timing matters.
Experts often recommend considering long-term care insurance in your mid-50s to early 60s. At that age, you’re typically healthy enough to qualify for coverage and can lock in lower premiums before health issues appear. Waiting until your late 60s or 70s can mean higher costs—or even being denied coverage if certain medical conditions are present.
That said, it’s not just about age. It’s about your overall health, financial situation, and family history. For example, if you have relatives who needed extended care, you may want to plan earlier. On the other hand, if you’re in excellent health and have strong financial resources, you might delay a few years.
It’s also important to shop around. Policies vary in cost, coverage length, daily benefit amounts, and inflation protection. Talking with a trusted financial advisor can help tailor a plan that fits your needs and budget.
In the end, long-term care insurance isn’t right for everyone, but for many it provides peace of mind. It ensures that if you need help with everyday activities down the road, you’ll have choices in the kind of care you receive—and you won’t have to worry as much about draining your savings or depending solely on family.
The bottom line: The “sweet spot” for buying is often before health problems arise, when you’re still in your 50s or early 60s. But the best time is whenever you feel ready to secure your future and protect your independence.
When do you think is the best time to consider long-term care insurance? |
Yesterday’s Poll Results: What kind of exercise community would you be most excited to join?
Looks like lacing up a good pair of walking shoes is the clear favorite—nearly 4 in 10 readers said they’d be most excited to join a neighborhood walking group. Gentle yoga and tai chi came in strong too, with many drawn to their calming, low-impact style. Water aerobics splashed into third place, showing the pool is still a popular place to get moving. Dance groups and online options had their fans as well, proving there are plenty of fun ways to stay active—whether it’s side by side with friends or from the comfort of home.
TOP COMMENTS
“I enjoy 3 walks a day with our little dog Clyde. Also enjoy a Bone Builder class, at the local Senior Center. Love keeping active!”
“I am in a cross fit group for people 60 and older. The coach is great she will modify the workout to your ability.”
“I meet with a friend and attend a different exercise class 5 days a week at the local YMCA.”
Poly-Reading After 60: How Multiple Books Can Jump-Start Your Aging Brain
When we think of reading, many picture sticking to one book at a time—but exploring several books in different formats can actually help keep your brain sharp well into your later years. Frances Brown explores the idea of being a “poly-reader,” someone who juggles multiple books at once—perhaps a print book, an ebook, and an audiobook—and how this habit isn’t just indulgent, but possibly beneficial for your cognitive health.
Physical books, ebooks, and audiobooks each activate different pathways in the brain. Reading text in print tends to engage more “natural” reading circuits in the brain, while electronic text stimulates other areas. Listening to narration—with audiobooks—adds yet another dimension of brain activity.
Reading more than one book at a time can come with unexpected perks. For many poly-readers, it increases enjoyment of reading, sparks new insights, and allows ideas or themes from different books to intersect and resonate in surprising ways. For those over 60, this variety can help maintain mental agility, widen perspective, and keep the mind engaged without overwhelming it.
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Slang Phrase of the Day
Phrase: Memory Pop
Meaning: A “memory pop” is the sudden and often vivid recall of a past event, sound, smell, or image that seems to come out of nowhere. It’s like a little bubble of nostalgia rising to the surface, sparked by something familiar—a song, a photo, or even the scent of fresh-baked bread.
In a sentence: "During our afternoon walk, the smell of jasmine gave me a memory pop of my childhood backyard, and for a moment, I could see it all as if I were there again."
Good News of the Day
Leaving More than Memories: What Aging Americans Say Matters Most
A recent survey of 2,000 adults reveals that as people grow older, relationships and meaning take center stage when thinking about legacy. Eight in ten say getting older has shifted their mindset, while 54% want to leave a positive mark on the world, and 80% care deeply about how they’re remembered by loved ones.
Simple things are rising in importance: 61% of respondents appreciate everyday moments more, 53% savor good times, and about half say they notice beauty around them more often. Beyond those personal reflections, many hope to leave something tangible—memories, values, keepsakes—for family, and to ensure loved ones are supported emotionally or financially after they’re gone. Yet only 45% have had conversations about their last wishes.
In essence, for many aging Americans, legacy isn’t about grand gestures—it’s about love, meaningful relationships, everyday beauty, and shared values. These findings suggest that the things we leave behind are often the hearts we’ve touched, the moments we’ve shared, and the connections that endure.
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RetireHub Trivia
Want more trivia? Play our “Nostalgia Trivia Game” on our site! We add fresh questions daily, so there’s always something new to test your knowledge.
Not into trivia? No worries! We’ve got plenty of other fun games to enjoy, like:
The oldest known dated printed book — the Diamond Sutra — was produced in which year? |
Jonas Salk’s inactivated polio vaccine was declared “safe, effective, and potent” and announced to the public in which year? |
Measured by surface area, what is the world’s largest inland body of water? |
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