This is one of the most misunderstood types of insurance...and it is not just for those over age 65. 40% of people that need Long Term Care are between the ages of 18 and 64 and anyone with a prolonged physical illness may require Long Term Care. Home Health Care, Visiting Nurses, Assisted Living Facilities, and Adult Day Care are some  of the choices available other than Nursing Home Care.  The fact is that Long Term Care Insurance is not just for putting you into a Nursing Home, it gives you the freedom of choice to stay out of one. This type of insurance will help you keep your independence and protect your assets.