What If I Can't Afford Long Term Care Insurance? 
Long term care insurance can be purchased as a standalone policy , or as a rider on life and/or annuity policies . Riders may not coverage the full extent of extended care , but they can provide coverage and also act as a marginal savings vehicle . There is always the government program Medicaid , but it is means tested , so have your adviser examine the options that best fit your scenario before moving forward . 