One of the main reasons Americans buy long term care insurance is to avoid becoming a burden to their loved ones. They preserve their independence. They obtain the peace of mind that if they do become sick or injured, they will feel free to utilize the best quality of care available in the marketplace. They can die with dignity and usually without pain.
Another Important reason Americans buy long term care insurance is to protect their assets, as they didn't work their entire lives to spend their savings on nursing care. They want to preserve their assets to pass to their loved ones. It is now agreed that any motivated person with sufficient assets to easily cover the cost of the insurance should buy protection.