How To Decide Whether To Buy Long Term Care Insurance? 
If your family has a history of critical illness or disease , then you should consider purchasing long term care insurance -LRB- LTCi -RRB- If you have longevity in your family history , the odds are high that you will need LTCi during your later retirement years . The average retiree will spend $ 250,000 during retirement on medical care , some of which will be spent on extended care . 