Providing care for a very sick, injured or elderly family member is hard! Especially without help. There are currently over 50 million family caregivers sacrificing their time, family, health and future to provide that care. LTC insurance is not designed to replace you; it's there to help you be able to help without hurting yourself or getting overwhelmed from doing it alone. Who is going to pay for those 7.8 million licensed care providers as the Baby Boomer generation reaches 80 this year and continues to age? It's either us, our family, or the government. Part of "us" is LTC insurance - so we won't force our famly members to exhaust themselves. You can view current (2024) and estimate future cost of care where you live here I recommend you use 5% COLA and not the 3% that defaults when you open the page. I said I would add a link to the site that discusses LTC reform and how Medicaid impacts the entire industry, but the link is not active today. I have LTC Bullets emailed to me weekly. Hopefully, it's up and running again soon. The link is here for when it is online again Schedule a meeting with me here