Few people want to believe they will need it but the reality is, many of us will and purchasing long-term care at an early age can be a strategic move. The younger you are when you purchase, the easier it is to qualify and your payments could be significantly lower. Ask anyone who has had to care for an aging or ailing parent if Long Term Care insurance is worthwhile and they will tell you that it is far better than the toll it can take on your family both emotionally and financially. Long Term Care helps alleviate the need for families to care for loved ones by themselves. It provides skilled nursing, intermediate care or custodial care for a patient in a nursing facility or his or her own residence following an injury or a debilitating illness, offering the patient’s family an opportunity to enjoy the time they are able to spend with their loved one.