With long-term care costs soaring, preparing for the unexpected before care is required is vital. Long-term care insurance provides peace of mind in an uncertain world. Without it, the consequences can be devastating for the health, finances and well-being of loved ones and their families. The author chronicles a disability expert, her husband, who himself was stricken at the age of 59 with cognitive impairment and his need for long-term care. Her story relates the need of planning for the unimaginable, and considers long-term care insurance as the best investment they ever made.