Is Long Term Care Insurance Worth It? 
When you consider that the average married couple will spend around $ 250,000 during their retirement years is it worth it to protect against that probable event ? A married coupled age 60 with standard health will pay around $ 300 a month for long term care . Is that worth it ? Some consumers object to long term care because they may never use it , so they lose it . There are alternatives with life and annuity products that offer living benefits , in this case long term care , that may have cash value results if the living benefits are used . 