<prompt> Human: My husband and I are in our early 50s. We have no children. I was declined for long term care because I was diagnosed with depression after my Mom died and started taking antidepressants.Is there any way around this?Also, with no children, what should we do if we both wind up senile? Would prefer to have something in place instead letting the state find us with 37 cats.Thanks in advance!  <response>: What do you mean you were denied for long term care? Thats not the type of thing that they can deny due to prior medical history. Or do you mean insurance? Why would you think you need it?As for your question, what is your actual concern? Do you have retirement accounts? It sounds like you dont and you got some round about way of asking. People grow old and die, until then you retire and spend your retirement money. If you support someone youd want to insure your support of them. But assuming you and your husband are both doing ok, and can support yourself, you dont really have anything that needs extra insurance. If you both wind up senile and need some expensive medical care, just make sure you can afford it, and thats ultimately what your retirement accounts are for in the long run, making sure you can afford your needs. 