BuddyIns is holding a webinar on March 23rd at 1 PM eastern to discuss this very topic with LTC guru Phyllis Shelton.  Email me at , and I'll send you an invitation to register and attend.  If you register and can't attend, a link will be sent to you to listen at your convenience. There are many ways to reply to this question, and I may end up replying again over the next couple of weeks.  Today, we are talking about family. When we buy LTC insurance, we are not really buying it for us.  We buy it for our families - so they have the resources they need to be able to help us.  No one will be fighting over costs of care or arguing about why one person is doing so much more for mom than everyone else.  We'll have a plan in place for our needs, along with dedicated funds to pay for those needs.  Our kids can be our kids instead of being forced to be our nurses and diaper changers.