Is Long Term Care Insurance Really Worth It? 
-- > -- > Normal 0 false false false EN-US JA X-NONE -- > -- > / * Style Definitions * / table.MsoNormalTable -LCB- mso-style-name : `` Table Normal '' ; mso-tstyle-rowband-size :0 ; mso-tstyle-colband-size :0 ; mso-style-noshow : yes ; mso-style-priority :99 ; mso-style-parent : '' '' ; mso-padding-alt :0 in 5.4 pt 0in 5.4 pt ; mso-para-margin :0 in ; mso-para-margin-bottom : .0001 pt ; mso-pagination : widow-orphan ; font-size :12.0 pt ; font-family : Cambria ; mso-ascii-font-family : Cambria ; mso-ascii-theme-font : minor-latin ; mso-hansi-font-family : Cambria ; mso-hansi-theme-font : minor-latin ; -RCB- Long-term care policies are based on the idea of a shared risk . If you dont use it , then it might appear to have been a waste . The people who have to use it will find that it pays out much more than they ever paid . If you dont buy the policy you accept the entire risk , if you never needed it , you appear to have won . If you need it and dont have it , then you have a problem that you are probably not ready to face . 