I don't include it, but realistically if we get so sick that we must live in assisted living, it becomes my backup plan to cover the LTC costs so that I don't have to pay for LTC insurance.
+1
me too, actually glad to hear this as I mentioned this on another forum and was basically told I was an idiot for not purchasing LTC insurance.
Although I do plan on downsizing not so much for the financial benefit but more because my house is a 4 story townhome at probably not the best spot for someone with osteoarthritis and one knee replacement.