Sam is 60 years old and recently started relying on cane for last few years. Sam thinks he may need long-term care services some day in the future. His net worth is around 1 Million and he receives $60,000 per year in a pension. He considers himself to be in excellent health and has never had a serious health situations. Food Sam eats are fairly healthy and includes lots of whole grain and nuts. He also exercises regularly. What is your recommendation to Sam?

a. Sam doesn't need disability insurance and probably can't qualify for long-term care insurance.

b.Sam needs a disability income policy.

c.Sam should buy a long-term care policy with a five-year limit and short elimination period without a Cost-of-Living Adjustment.

d.Sam can qualify for Medicaid if and when he needs long-term care services.

e. Sam should buy a long-term care policy with a long elimination period, lifetime benefits, and a Cost-of-Living Adjustment.