Who could benefit from purchasing long term care insurance?

The need for long term care can happen at any time, not just as you ago. If you are single, it is less likely that unpaid care by family member will be readily available. Long term care insurance can help you pay or reimburse you for the covered services that you require.
If you are married or live in a multi-member household and you and your partner age together, your day-to-day functions may decline at the same rate. If your adult children live in another location or if your care needs are greater than a family can provide, you may require paid assistance. Also, if certain chronic conditions run in your family – the kind that require some type of daily assistance – long term care insurance might be important for you to consider.