<prompt> Human: I recently had some genetic testing done, and I found out that I am at a higher risk for Alzehimers. Forgive me if this is not the best subreddit for this question. :Naturally, this freaks me out, but I do want to use this as an opportunity to prepare for a possible future. I am only 29, and I realize that this is not an immediate need, but it can be a very expensive if it is something my family and I will have to do to prepare for this. What kind of insurance should I buy? What things should I do to prepare for this financially?  <response>: My grandmother was diagnosed with AD last year. She is in an assisted living facility right now. That cost is 7500 a month. Her personal care items like toiletries, personal care stuff, etc arent included. Also, she still has medical expenses for doctors visits, hearing aid replacement, etc.When she declines to such a point that she needs more care, she will be transferred to a nursing home. The expected cost for that is 10k a month. Again, the medical costs and personal care items are not included in the 10k.My Grandmother did not have a LTC policy, but my Grandfather left her well off and finances are not a concern. This Forbes article is a pretty good description of some alternatives. My grandfather was adamantly opposed to LTC when he was alive because of the issues he had collecting when he had yet another heart attack in 1990. The folks on this board are lockstep supporters of LTC, but I havent heard seen any of them attempt to collect on it yet either. I dont know your outlook on life, but Id take a look at the progression of AD. There is a gradual or semi-gradual decline. My Grandmother started a noticeable and gradual decline in when when was 88. She stopped driving at 90. and was diagnosed shortly thereafter. My mother is 69 and there are definite signs of slipping. She is still working because she enjoys it. Financially she is fine, but the decline is something that scares me. She is oblivious to some things and her judgement is off about certain things. Weve discussed it and she denies everything, but her actions tell me otherwise.Ive dealt with cancer for the last 16 years so I dont know if Ill live long enough to develop the disease, but I can tell you watching my Grandmothers increasing fears and my Mothers increased frantic and strange behavior, it is not a path I will voluntarily travel.Hope you stay well. 