This is always the question.  We all want to wait as long as we can before paying for something we don't want to own to protect our family from something that we don't want to happen.   Let me tell you - if that something is going to happen, it will whether we plan or not. Don't end up where the state Medicaid system "puts you" because you didn't plan ahead. Most people plan 25 years before along term care need arises.  When should you plan?  Listen here.  Schedule a meeting Ask a question Estimate LTC premiums   Learn what Medicaid let's you keep See projected costs of care American Association of LTCinsurance