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Long-term care insurance (LTCI) can be purchased privately.

One way to fund long-term services and supports (LTSS) is to adapt or combine coverage with existing life insurance coverage.

A reverse mortgage is a loan secured by the value of a home and does not require payments as long as the borrower lives in the home.

One indicator of sensible fiscal practices is maintaining balance between spending and revenues. Occasional deficits may be necessary.

Federal and state governments have tried to change budget rules to control government spending. Budget rules have also been used to impose fiscal discipline.