GETTING PERSONAL: IVANS HEART by Jack Burke 'If you have a touch-tone phone, press 9 hellip; To file a grievance, hang up and call someone who cares.' Ever feel as though ...

Chances are, you are like the majority of individuals who have reached middle age. The primary concerns in your life are paying your monthly bills, making sure your children receive a good education, as well as the all-important goal of saving some money every month for retirement. At this point, it seems a long way off, but do not be deceived; it will be here sooner than you think. You might have heard about Long-Term Care insurance, but you probably dismissed it with questions such as “What is it?” or “Who needs it?”