By 2050, the number of Americans using paid long-term care services will double to 27 million people, estimates the nonprofit Family Caregiver Alliance. Despite the fact that people who reach age 65 will likely have a 40 percent chance of entering a nursing home, only a small fraction of adults over the age of 50 have bought a long-term care insurance (LTCI) policy… [687 word article, December 2010]