Most advisers say to purchase Long Term Care Insurance by age 60; some say younger. That is because rates are lower when you are younger, and there is less chance of having a health condition that would disqualify you from getting LTC coverage.
In general, you should have Long Term Care Insurance if you have sizable assets to protect from going to pay for extended care costs.
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In general, you should have Long Term Care Insurance if you have sizable assets to protect from going to pay for extended care costs.