Is Long Term Care Insurance Worth The Cost? 
I was asked the same question by a client whose annual premium for both spouses was $ 7,000 . If you 're not sure , then you probably need it ! After all , someone asking may not be able to afford the average cost of $ 70,000 + per year to cover one person . Having said that , it may be advantageous to look at the new riders on both term and permanent coverage that allow for using the death benefit to pay for LTC under certain circumstances . 