Why Get Long Term Care Insurance? 
Everyone comes into the discussion about long term care insurance from a different angle , because we all have different experiences . As an insurance website , we rightfully describe the financial implications of the products in question . But as human beings , we interject our experiences , as well . Some of us see it from the view of the caregiver/family , having been caregivers by default for a parent who did not have long term care insurance , or watched our `` healthy '' parent struggle to care for the sick one . Some of us have adult children urging us to get long term care insurance because they know that they would have to give up homes and jobs to come care for us . Some of us see it from the view of the person needing the care . Time spent in a nursing home quickly reveals those who could have had a higher quality life living in their own home , with the resources that LTC insurance provides . There are the `` rich '' in the single room whose resources are dwindling with each passing year , and who may eventually not be able to sustain that luxury of a private room by having to go on Medicaid . No matter what angle from which you view it , there are good reasons to get long term care insurance . There are also reasons not to get it , as Mr. Bridgers so eloquently stated about both sides . 