Money Hopefully Wasted

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FOLKS WHO GULP HARD AND map out their long-term-care strategy, whether it's buying a long-term-care policy or self-insuring, say there's comfort in doing so. "You should be prepared for the worst-case scenario and hope for the best," says 58-year-old Marta Ferragut of Silver Spring, Md., who purchased a policy last December. "I'm hoping I won't need it. I'm hoping I'm throwing money down the drain."