Who Uses Long Term Care Insurance? 
People who use long term insurance as a benefit -LRB- current policyholders -RRB- are those who satisfy the triggers that enable them to collect on it . These include being unable to do two or three ADL 's -LRB- bathing , dressing , etc independently -RRB- and/or cognitive impairment . Most policies now require that the expectation of need for that care will last at least 90 days . 