I have my own policy, so I’ll opt out.
The key in my opinion is if you are going to get a LTC policy on your own is to get it when you are young and the nut is affordable.
That said, we got my mom at a policy at age 67 when my dad passed away. Here annual premium was $1,500 less then one month of her current care costs.
Having just put my mom in a senior care facility, the cost of senior care is pretty startling.
A person could easily burn through their life savings on care that they intended to pass on to their family if they lived in a facility for a number of years.
$36.5K might only get you three to five months of care depending on the facility, at least in the Puget Sound area.
SF