Q: If I buy a long-term care insurance policy for my husband, how soon can I use the policy to help pay for his care? I need help in my home and it is too expensive for me on our income.

A: Long-term care insurance policies are not sold to those who are already in need of long-term care, so you need to be aware of this when you talk to an agent. You must answer the questions on the application truthfully and thoughtfully, and these questions are very specific with regard to your current health status.

You should contact the Department of Aging and Disabilities to discuss your needs and see if...