They feel welfare is for the truly needy, not for people trying to hide their assets in order to qualify. Everything an individual worked for can be wiped out by nursing home costs. A lot of people would rather have their home, life's savings and other assets go to their family or charity, instead of a nursing home. We are used to making choices in our lives. We choose where we want to live, what kind of car we drive, who our doctor is, etc.
Most people wish to maintain control, rather than relinquishing it to welfare.
The peace of mind offered by quality long-term care insurance is immeasurable. Being able to go to bed at night knowing one is protected, instead of worrying about what to do if something happens, is a feeling most people desire. Please read the Long Term Care Insurance Shoppers Inc.'s disclaimer.