What age is the best age to start long-term care planning?

I like to say the sweet spot is between age 52 and 64 ... but keep reading. First, yes, the sweet spot is generally between your mid-50s and mid-60s. I like to say start before age 64 because once you qualify for Medicare, chances are you will take advantage of all the free preventive health exams they provide. Those exams are great. But, if your doctor finds a condition, it could prevent you from health qualifying for long-term care insurance no matter how much you are willing to pay. And, while most long term care insurance claims start at older ages, don't forget that younger people get illnesses in their 40s and 50s like MS and Parkinson's that can require the need for years of care. Just something to think about.