Money (9/16, Reynolds) offers a guide to long-term care insurance, warning that “long-term care considerations should be part of any retirement plan.” Those who exhaust their savings will typically have Medicaid over their long-term care costs, but AARP points out, “while federal Medicaid law requires states to provide nursing facility care for all who are eligible, they are not required to do so for home and community based services.” In determining “how useful a policy will be to you, the AARP recommends comparing the amount of your policy’s daily benefits with the average cost of care in your area, keeping in mind that you’ll have to pay any shortfall between benefits and local costs.” AARP also “recommends that you ‘carefully calculate.