Why Might A Young Person Buy Long Term Care Insurance? 
In addition to the two excellent reasons Neil gave , I would add that a young person might want to buy Long Term Care insurance if you have a family history of rheumatoid arthritis , multiple sclerosis , diabetes , or other health conditions that increase the chances of needing long term care in the future . It is nearly impossible to get long term care insurance after being diagnosed with some diseases . Getting the coverage while you can is a good idea with any type of insurance that relies on medical underwriting , as Long Term Care insurance does . 