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FILE - In this April 14, 2016, file photo, a son, at right, holds his mother's hand at her nursing home in Michigan. Many Americans have a blind spot when it comes to retirement planning: long-term care costs. Even though the majority of Americans will at some point need long-term care, few are planning for it. Many underestimate the costs and mistakenly believe health insurance can help cover it. (AP Photo/Carlos Osorio, File)

FILE - In this April 14, 2016, file photo, a son, at right, holds his mother's hand at her nursing home in Michigan. Many Americans have a blind spot when it comes to retirement planning: long-term care costs. Even though the majority of Americans will at some point need long-term care, few are planning for it. Many underestimate the costs and mistakenly believe health insurance can help cover it. (AP Photo/Carlos Osorio, File)

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