This Forbes article provides a good background and discussion of the high costs of long-term care, the costs and benefits of long-term care insurance and options for dealing with rising insurance premiums. Long-term care insurance is a luxury item for most people, but it’s a good idea to consider the option is you can afford it. For the rest of us, hope our kids will help out, try to eat a little bit healthier every day, and keep moving. A little bit goes a long way, to advance graceful and healthy aging.