With the baby boomers retiring in droves over the next 10 years and their parents using up assets to pay for their own long-term care costs, many are starting to wonder how they will cover their own long-term care costs when they start needing it. Fortunately, there are more and better ways to insure at least a part of the costs that statistically 60 percent of us may need in the future. There are three basic options when it comes to funding long-term care costs. You can self insure, but you may need in excess of $72,000 annually for each …