Why Not To Get Long Term Care Insurance? 
The biggest reason to not get long term care insurance is if you can not afford it . If you are scraping by on Social Security income only , you probably can not afford long term care insurance . However , if you have a lot of assets that you want to pass to your heirs , they could pay the premiums for a long term care policy for you . If you have few assets and low income , that is a good reason to not get long term care insurance . 