Will I Need Long Term Care Insurance? 
Whether you will need long term care insurance only time will tell . If you have enough money available to be able to pay a care facility $ 10,000 or more a month for an unlimited amount of time , then no you do not need long term care insurance . As Peggy said above , long term care insurance is designed to pay for or help pay for care assistance if you should become unable to care for yourself . Who knows if that will happen to you ? So again only time will tell . 