Who Doesn Need Long Term Care Insurance? 
If you do not have an estate to protect then you may not need Long Term Care . If you can qualify for Medicaid or a Medicaid waiver program then you do not need long term care . If you do not mind spending down all you have worked for during your life to go on Medicaid then you do not need long term care . If you have an estate you want to pass to your heirs , loved ones you want to protect from the burdens of caring for you when you become sick and can no longer care for yourself then you do need long term care insurance . If you want choices on where you are cared for then you need long term care . 