How Much Critical Illness Insurance Do I Need? 
Long term care is running between $ 36,000 and $ 80,000 per year on average these days . The qualifier for critical care is typically when a person is unable to perform 2 or more of the 6 daily basic tasks unaided . So how much critical care insurance do you need ? That would depend on how long you might need long term care . When you purchase LTC insurance as a stand alone policy it can be very expensive . However you can add a LTC rider to many life insurance products at a very reasonable cost and that will avail you of 80 % or more of the face benefit of the policy if needed for long term care . 