When you grow old, you would expect that your children will also have a family of their own and you can see your grandchildren grow. By this time, it would be too much burden if you would let your children take care of you since they have their own responsibilities to attend to and with old age, you would surely require more attention and help especially when it comes to doing your activities of daily living. That is why you might want to map your long term care plans by this time.
There is a certain point in your life wherein you can question yourself where you would be when you grow old. Since getting old is inevitable, a better preparation for where you would be by that time is important. You might want to stay in an assisted living center, a nursing home or just in your house. But definitely, you would need assistance. By getting long term care insurance, you are assured that when you reach that certain stage of growing old or being unable to do certain things on your own, you will be able to support yourself without putting too much burden on your children.