it to anyone under the age of 60 but he feels it is important to have. He mentions a friend of his who thought it was a waste of money and 2 years later his wife was diagnosed with Alzheimer’s . You just never know. I think LTC also covers in home care. My inlaws didn’t get it and they both ended up needing care. Luckily, they invested wisely and had money to cover expenses so for those who have great investments, it might be okay without the insurance.