Why Not To Buy Long Term Care Insurance? 
Do n't buy long-term care insurance if : 1 . You ca n't afford the premium now 2 . You ca n't afford any higher premium than the illustrated premium at issue -LRB- premiums can go up -RRB- 3 . You do n't think that your income during retirement will permit you to keep the policy in force even with adjustments to the benefits , features , and/or riders . 4 . You have virtually no retirement savings and will be completely dependent on Social Security . 5 . You are convinced that long-term care insurance hasabsolutely novalue whatsoever and that it is a complete waste of money . 6 . You have given explicit instructions to your spouse or next of kin that if you are ever unable to take care of yourself in the performance of daily activities , you are to be taken out into a field somewhere and be shot . 