Long-term care insurance isn't a universal solution, but it makes sense for seniors to consider it right now. OGNYAN CHOBANOV/Getty Images

Planning for retirement isn't just about how much you've saved. It's also about how you'll handle the expenses you can't fully predict . And, one of the biggest unknowns for older Americans today is the cost they'll face when it comes to long-term care. While it's increasingly common for seniors to need this type of care at some point during retirement, the costs of long-term care can vary drastically depending on the type of care you need, the duration and even the market where you're receiving the care.

Further complicating the issue is the fact that the price of long-term care has been climbing. That trend is almost certain to continue, too,

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