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This article provides a comprehensive discussion of long-term care.  The author discusses it’s advantages and protections but also it’s shortcomings.  Long-term care insurance is a wonderful product but it is not right for everyone.  Jesse Slome, executive director of the American Association for Long-Term Care Insurance said it pretty well, “Long-term care is a universal issue facing all Americans who are getting older. But long-term-care insurance is not a universal solution.”

http://www.washingtonpost.com/national/health-science/long-term-care-insurance-offers-protection-but-its-not-right-for-everyone/2012/01/09/gIQAyySmLQ_story.html