Unfortunately, we don’t have the crystal ball to know if and when you may need it.  However; you could need long term care at any point.  But the odds are that you will need the care later rather than sooner.  The age of greatest need begins in the late seventies.  The odds are greater for women.  The average period of needing care is longer for women than for men.

Remind your family and friends that  it does no good to put a long term care plan in place when you need the care.  You cannot obtain protection at that time.  It’s like buying fire insurance while your house is burning down…you can’t buy it then.  The best time to buy is now…while you’re young and the premiums are lower…while you’re healthy and can qualify for good health discounts.