It’s a retirement concern few of us want to face: At some point, 4 out of 5 older Americans will need help with daily needs like bathing, dressing, using the toilet or preparing meals. Paying for such long-term care presents retirees with difficult choices. Medicare coverage is very limited. Private long-term care insurance policies are complicated and expensive. Medicaid, which insures low-income people, pays for long-term care only when a patient’s assets have been almost completely spent. And