we'll find out because here to explain is personal finance reporter sharon eperson.ood to see you. >> good to be here, sue. you may be covered financially in the case of a car wreck or house fire or disease, but what about insuring for something that's a lot more likely. old age. should you buy long-term care insurance? >> we're all going to get old, and it's a protection. >> i've got parents and grandparents, so it's important for me to consider what it would be like to have to support them as well and for my children not to have to support me. >> unlike traditional health insurance, long-term care insurance is designed to cover services to those that can no longer take care of themselves, and pays for services to as them with activities of daily life, like bathing, dressing, or eating. >> protecting is a portfolio. protecting somebody else's standard of living or you're protecting the fact that i want to make sure that my assets are going to go to my loved ones. i don't want them to be ravaged by long-term care or the costlyness of going into a nursing home. 53-yea