Most people state they don't want to burden their children with long term care needs like bathing, dressing and going to the bathroom, but they too often don't consider the financial burdens that go along with that.  Affluent people often believe that they don't need to discuss LTC needs because they have enough money to pay for any care they will need.  It's more important to have a plan when there are more assets as siblings tend to argue about the right way to care for mom or what to spend or not spend for care.  Not having a plan too often disrupts families forever.  A plan doesn't always have to include insurance, but it needs to be a plan and it needs to be discussed before life shows up and changes the rules in an instant.  Ask me for guidance at [email protected]