My wife and I have long term care policies.
They aren’t cheap, but it means we don’t have to spend almost all of our savings on nursing home care before Medicaid will pay.
I have a coworker who is single who paid for that and I never understood it in his case.
In your case being married it protects the spouse from financial devastation.
What are the limits on payout of that policy?
I recall~ 2008 here nursing homes were about 6K per month and its still a hellhole. I had a older relative with a bad stroke go to one for over a year.