• Don't want high premiums
• Have recently been hospitalized or take many medications
• Are already receiving worker's comp, Medicare, etc.
• Are broke
• Have children that watch them full time
...

Long term care insurance is for people who:

• Want to preserve their estates
• Don't want to burden family members with their care
• Want to preserve their independence and dignity
• Don't want to go to a nursing home
• Don't want to rely on government welfare
• Want a bed reserved in nursing facility
• Don't want to transfer assets out of their names
• Want their residential, adult day, and respite care paid for