Is Long Term Care Insurance Smart? 
Long Term Care Insurance is smart if your family has a history of longevity or has a history of crippling disease . Long Term Care Insurance is smart if you have an estate that you would like to protect from being spent on extended care needs . Long Term Care Insurance is smart if you want to make choices about your long term care : where to live , which agency to hire , the ability to pay a relative to care for you in your home , etc. . 