It's clear that long-term care is a threat to our financial security and independence. But it's less clear whether we can expect support from other sources.

Most of us think that Medicare covers long-term care, but the truth is that it covers only limited post-hospital care...and only in specially approved facilities. Also, help with personal needs like eating and bathing aren't covered at all in nursing homes. And home health care benefits are very limited.

Meanwhile, Medicaid protects only those living at or below the government required level, and it involves strict waiting periods. Just to be considered, you'd have to spend down most of your assets. The point is that public programs offer minimal protection. And looking ahead, even less assistance may be available when you need it most.

What about health insurance and basic savings plans? As important as they are, they're not intended to cover long-term care. In the final analysis, you may not be able to rely on outside sources, including your family. You can, however, take charge of your own finances. You can help protect yourself, your assets, and your family with a long-term care insurance policy that gives you flexible choices and helps to safeguard your future.

While we are living longer, with many of us living into our 80s, more of us may be at risk. Families are scattered around the country. More single women are working to support their families. People of all ages are often the victims of untimely illness and injury and their lasting effects.

Meanwhile, you continue to work hard and dream about your future...about the comfort and security you deserve. But if the time comes and you need long-term care, you want to receive quality care on your terms.

In other words, you want a future shaped by your choice...not by chance. The key is to exercise your power by planning ahead now. Because there is no power without protection.

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