Is Long Term Care Insurance A Smart Buy? 
Long term care insurance is a good buy according to statistics . Like most insurance , if you need to use it , it is a bargain , and if not , it was an unnecessary expense . In retirement planning if a person is operating without any extra funds , LTC can provide peace of mind for what is a major planning problem . If you have plenty of assets there are other ways to deal with an extended illness or even custodial care . 