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Age is an important factor. Some private payment options are good choices for older people. Other payment options make more sense for a younger person.
| Better options for a younger person | Better options for an older person |
| Minnesota Partnership long-term care insurance | Minnesota Partnership long-term care insurance |
| Individual long-term care insurance or group long-term care insurance through employer – if offered | Individual long-term care insurance |
| Personal income and savings | Home equity options including reverse mortgage |
| Long-term care annuity and life insurance | Long-term care annuity and life insurance |