Welcome back!  In this post, we continue talking about the financial shocks that could derail your retirement – and what you can do to protect yourself.  Read the first post here. Long-term care We left off the last post with a discussion of the importance of good health insurance – fortunately largely covered by Medicare for most people over 65 (and by Obamacare for those under).    But what about long-term care?  If you’re 65, there’s a 50/50 chance you’ll need it someday.  It’s not cheap; the median cost is $85,800 per year for care in a nursing home, although there’s significant variation by state (average cost in Texas is $54,800,…