Planner assumes that you will have long-term care expenses in the last 3 years of your life (and your spouse's).
You have the ability to change this assumption in My Plan > Expenses.
If you have a long-term care policy or plan to buy a long-term care policy, the Planner will model that you will have 20% of care expenses in the last 3 years of your life (or your spouse's).
If you have medical coverage or don't need long-term care, you can select "Will never require any long-term care." The Planner will assume that you have no long-term care expenses.
Answer long-term care questions for you and your spouse separately.