There might be a dilemma of who will assist you with future long-term care services and how will you pay for them, this might be a concern of yours or your family's; we now know for certain that we can't rely on the government.
Currently, there is one thing for certain. Obama care does not cover custodial/personal care (i.e. activities of daily living; bathing, eating, dressing, toileting, continence, and transferring). In fact, about the only government program that will pay for care provided in a nursing home, assisted living facility or home health care is Medicaid. However, you must financially qualify for Medicaid by meeting the asset and income requirements. Then, Medicaid is very restrictive in their eligibility of care at home or in an assisted living facility.
Did you know most long-term care services in this country are provided by family members?
Would you be interested in a policy that provides a monthly cash benefit, once the benefit triggers and elimination period have been satisfied?