Yes, everyone should consider long term care insurance. My mom had it. My wife and I have had it for about 10 years. My mom's policy covered all but $300 a month of her long term cost. Her social security easily covered that, and the upkeep on her home which I did not sell until she passed away.
In mom and dad's case, the money they saved over the 10 years they weren't using much of their retirement money will cover it plus more. My husband and I are still looking into it, and I'm encouraging my siblings who aren't as prepared as we are to get it, but it is getting much more expensive than in the past. I agree that Long Term care insurance is a wise move for most, but I don't think my parents situation makes a big case for it.
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