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These states have the best elder care options, prices

Senior people playing foosball at nursing home

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Ideally, picking a great place to retire might hinge on proximity to the grandkids, decent climate or a favorable tax law. But if you are among the Americans who may someday need long-term care (or will be in the position of providing or paying for such care for a family member), the list of best spots may look somewhat different.

"People don't plan, and then they are stunned when they figure out what this is going to cost," said Dayna Steele, chief caring expert for Caring.com (a Bankrate.com site).

Assuming no nursing home or home health costs — either because they are not needed or are paid for by another entity — 72.7 percent of those ages 55 to 59 have amassed enough savings to retire, according to an assessment from the Employee Benefits Research Institute. Including long-term care costs, only 57 percent of that age group is retirement ready.

New analysis from Caring.com ranked states based on a combination of factors including median cost of elder care services, facility reviews and support for caregivers. Here's how the top 10 fared against Bankrate.com's latest list of best states to retire, plus what you might expect to pay for care services based on 2015 data from Genworth's Cost of Care report.

— By CNBC's Kelli B. Grant
Posted 9 May 2016

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