21.   Long-term care insurance, which may cover nursing home or in-home care, is also turning up in more benefits packages.

22.   Long term care insurance, a benefit that pays for nursing home services, also is expected to do well on the Internet.

23.   Long-term care insurance should be viewed as a means to preserve options and personal control, sup porters say.

24.   Look into long-term care insurance, to cover your expenses if you need to go to a nursing home or need other specialized care.

25.   Long-term care insurance covers all or part of nursing home, home health care, adult day care, home personal care and respite care services.

26.   Medicare and Medicaid do not cover assisted living facilities, and few people have long-term care insurance that pays for such care.

27.   More companies are allowing employees to buy time off or trade it for other benefits, like medical benefits, life insurance and long-term care insurance.

28.   Now the country is instituting a nursing care insurance for the first time.

29.   Private long-term care insurance is available, but its use remains limited, experts say.

30.   SENIORS -- Increase limits for earnings and for tax-free benefits under Social Security, and give tax breaks to seniors who purchase private long-term care insurance.