<<Do we need Long Term Health Care? For our ages it would amount to over $2,000 for both of us. I have Long Term Disability where I work and as I am the one with the full time job do you think it is enough? We don't want to be "insurance poor," but we also don't want the kids to be saddled with us.>>I'd suggest looking around your area at three-tier health care facilities and find one or two that if you had to use such services, you would choose. Then see if your projections from your assets would cover it. And even if the LTC insurance would.PS Your children are not under the law financially responsible for their parents.