When it comes to planning for long-term care costs, most individuals haven’t given it much thought, including the wealthy. However, at least 70 percent of men and women over the age of 65 will require some form of long-term care services and support during their lives, according to a recent Genworth survey. And as healthcare and long-term care costs continue to increase, it’s important to consider the pros and cons of securing the right policy now. Attaining long-term care insurance while you’re in good health can provide an affordable financial safety net for you and your family. As you consider all of the elements of your retirement income plan, here’s what you need to know about your long-term care options.