Who Really Needs Long Term Care Insurance? 
Who really needs long term care insurance ? EVERYBODY . The question really is who can afford long term care insurance ? What long term care insurance does for a person is create a pool of money to purchase the quality of care they want , rather than what they have to settlefor . All long term care insurance does is pay for better care and nicer facilities to reside in or home health care . When you do n't carry a long term care policy and have used up yourassets , you can still get care , covered by thegovernment , cept your say in the quality of care you receiveno longermatters . With the government having to find ways tomake budgets work , caringfor the elderly tends to slip down in priority funding wise . 