I can comment on the LTC planning. My wife and I just went through this. Usually you will want to apply for LTC insurance in your late 50's....early 60's.
What you want is a traditional LTC policy ( use it or lose it). Unfortunately, many insurers no longer offer this type of policy. They are now pushing life insurance polices with a LTC rider. STAY AWAY FROM THESE!!! They are single premium payments of up to $100,000 !!!
Look for a company that is solid financially that still offers a traditional pay as you go type plan. The premiums can increase over the years but you should still be able to manage this if you have the assets that warrant shopping for a LTC policy.
Now, one thing you may not be aware of is that you MAY have no choice but to self insure! According to the agent who sold us our policy.....approximately half of those who apply for LTC coverage are denied due to pre-existing medical conditions or overall health parameters. You mentioned your wife is disabled. This may exclude her coverage anyway. Also, of the half of applicants who are approved there are 3 rates that apply depending on your current health status: Ultra ( the lowest rate), Preferred, and Standard. Of the half of applicants who are accepted...only 15% get Ultra status and the lowest rates since these individuals are deemed o be "healthiest" at the time of application. I received "Ultra" rates at age 58 ( Brag....pat on the back
). My wife received the Preferred rate.
Another reason this particular policy appealed to us was that it is a "partnership plan." MEaning we will be able to shield assets up to the amount the insurance pays for our LTC. For example, if in later years, if the insurance pays out $1,000,000 for my wife and myself for LTC needs.....$1,000,000 will remain in our estate (to pass to our heirs) and we will STILL qualify for MEdicaid in the future. It is the state rewarding us since we planned ahead for any future LTC needs. Our policy is also "portable" meaning all but about 2 or 3 states will honor (or reciprocate) the partnership feature of the plan if we someday move to another state. Good luck.