Regardless of the type of plan chosen, it's like any other type of insurance. You cannot purchase it once you truly need the care.
Making the Decision for Long Term Care Insurance
Two issues that keep people from taking LTCi are a snub to accept the possibility that they might really need it some day and the perception of the insurance as "costly." While you may certainly never need it, if you live a long life, the chances are that you will. The cost of having it and not using it is far less than that of requiring it but not having it. You can head to http://www.lavineltcins.com/seattle-long-term-care-insurance-agent/ to get more info about Long Term Care Insurance.
The objection most individuals raise to purchasing LTCi is the cost. It is professed as "expensive," and perhaps it is, especially if you wait till you are in your 70's to try to get it. Nevertheless, when tempted to delay, ask yourself if you could afford a bill of about $4000 per month on what you have today. When you retire, are you probable to have more disposable money or less? Wouldn't it be better to pay a premium averaging $900 to $2000 per year now rather than face the possibility of having to pay twice that every month if you need care? According to Medical News Today, "LTCi can be quite affordable, especially if you buy at a relatively young age."