Is Long Term Care Insurance Worth It? 
Here is something I present to my clients when we come across this issue : With a monthly premium of $ 200 , and with an annual benefit of $ 48000 , with the benefit inflating annually by 3 % , we get these numbers : Two years of premiums in , the benefits paid out will equal that amount in two months ! Five years of premiums will be matched by three months of benefits paid out , with 10 years of premiums being paid back in five months of benefits . 20 years of premiums come back to you in a manner of 7 months of benefits paid out . So , in a nutshell ... should you need long-term care , and there is some data suggesting that you might , having some protection in the form of such a policy will give you options on where to go as well as provide a safety net for your assets that you worked so hard to amass at that point . 