Have you had the long term care insurance talk with your spouse or significant other, or your kids? How about with yourself, can you handle a reality check?

The opioid crisis and other factors have stalled the steady increase in life expectancy in many communities and with some groups. But generally speaking reasonably affluent people with good steady jobs, decent pay, good health care and retirement benefits are living longer — people like you and me.

But while living longer people in that group aren’t necessarily aging better. Many have trouble taking care of themselves as they age out. If you are counting on your health plan, or Medicare to handle the situation, think again! Not gonna happen.

So what are you waiting for? It’s time to have and listen to the talk, so how about today? Tune in at 10 a.m. here on www.FederalNewsNetwork.com or 1500 AM in the D.C. area. to listen to this week’s Your Turn radio show. And if you can’t catch us live, the show will be archived on our webiste so you can listen anytime or refer it to a friend. Our guest today will be Greg Klingler, director of Wealth Management at the Government Employees’ Benefits Association. He’ll explain why you should check out their streamlined LTC plans which may be a better fit for many then the traditional federal LTC program. Also he will talk about how to bring up the sensitive but important program with your adult children, why this plan may be better for singles, or why its gender-based pricing may be better for many women.

Not, it’s not a fun subject, but it is one that could save you and your loved ones time, money and unnecessary grief.