Should You Have Long Term Care Insurance? 
This is a great question , Should you have Long-Term Care Insurance . If you look at the statistics , you have a greater than 50 % chance of needing Long-Term care services which tend to be very expensive . Can you depend on your family to take care of you or are you better off getting a product which gives you the flexibility to pay for the services you need when you need them ? Long-Term Care -LRB- LTC -RRB- Insurance is expensive so be sure to understand what your needs may be and when you the insurance becomes available . There are now many `` hybrid '' products available which provide some LTC at a fraction of the cost but may have limitations . Be sure to talk to your Broker or a Broker who understands the limitations on LTC and any of the `` hybrid '' products . 