The question on WHO should buy Long Term Care Insurance is a simple one. If you have some assets to protect, like your 401k, IRA's, your home, etc. than the answer is yes. Long Term Care Insurance has become an important part of your retirement planning. Health insurance and Medicare won't pay for a majority of these costs.
The US Department of Health and Human Services says if you reach the age of 65 you will have a 70% chance of needing some Long Term Health Care service in your lifetime. That is a big risk!
Most people I speak with are in their 40's and 50's ...planning early when you are young and healthy makes premiums VERY affordable.
Read this article from KFOR-TV: http://kfor.com/2015/03/19/who-should-buy-long-term-care-insurance/
If you want to learn more about affordable Long Term Health Care Planning go to: http://mccannltc.net/
If you want free quotes you can go to: http://mccannltc.net/free-quote/
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