Is Long Term Care Insurance Worth It? 
If the insured person uses the benefit at some point , long term care insurance is worth it . That is why premiums are going up , because the amount spent on policies up to now is not keeping up with the amount of payments made out . Some people get a policy that pays only a partial payment , and if family members are unaware of that , they may feel that the policy was not worth it . But they must take into account that it fit their loved one 's budget , and paid out as stated in the contractual agreement . It is important to get advice on what features you select in a long term care policy , so that it will have the optimum value to you , if needed . 