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Most long term care policies aren't worth the paper they're printed on.

An alternative is to buy a universal life policy with living benefits that pays up to 90% of face value of the policy if you are determined to be unable to perform X number of "Activities of Daily Living."

http://longtermcare.gov/the-basics/what-is-long-term-care/

Here's one of the best of the genre of "living benefits" life insurance.
http://www.agla.com/lifeinternet2000/careerweb.nsf/contents/...
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