In this Fight Back minicast, we jump into the complex world of long-term care insurance and what that really means. Our special guest is Bonnie Burns, who has more than 40 years of experience in long-term care insurance and works to improve consumer protections in state and federal legislation and regulations. She has served as a consumer representative to the National Association of Insurance Commissioners since 1992. She is a consultant to California Health Advocates providing training, educational materials, and technical assistance on long-term care insurance. Let's find out if consumers really need long-term care insurance.