Long term care insurance is not strictly for nursing home care coverage. LTC insurance can also cover "at home care" for those that have difficulty performing daily living activities such as dressing, bathing, eating, getting in and out of bed or a chair and using toilet facilities. Long term care can also assist with other daily tasks such as money management, household chores, medication administration, shopping, meal preparation and more. Your policy will pay an amount per day that may or may not cover all of these expenses.

Don't fall prey to the misconception that long term care insurance is only for the elderly. Even young people can become temporarily or permanently unable to perform their daily functions through accidents or illnesses.

Although the above scenarios can be quite scary, you can be better prepared for any of them by taking a good look into long term care insurance. Don't wait until it's too late. A policy that is purchased when you are young and in good health will be considerably cheaper than when you become older and your health is not as good as it is today.

At www.allaboutlongtermcare.com we offer free long term care insurance quotes and can explain the reasons why you should be thinking about the advantages of buying long term care disability and assisted living insurance now.