Medical expenses are the leading cause of bankruptcy in the U.S., even among middle-class, well- educated homeowners. Poof! If you’re not independently wealthy, all of the financial fruits of your career may be jeopardized by just one bad illness or injury. One way to help prevent such financial disaster is to make wise choices about your benefits. But many feds do not fully understand all of their options involving health care coverage — particularly involving Long Term Health Care (LTC) insurance. So here is some practical advice about LTC insurance that I’ve gathered through extensive research of my own options…