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Long Term Care Insurance/Long Term Care Partnership for your protection What is it and Do I need it? The long descriptive answer can be found by clicking below. Long Term Care is needed for the middle class as well as the Wealthy. Long Term Care Ranges from in-home Health care to Assisted and Skilled Nursing Facility. Most people think that the state will take care of you if long term care is needed, but the sad truth is that unless you have less than $2,000 to your name or have long term care Partnership the state will NOT pay for your long term care needs. Bottom line, you simply need Long Term Care Insurance for the protection of your assets. Your Retirement and Family will be protected should the need ever arise, without Long term care Insurance your Retirement and Family Savings will be wiped out because you are on your own. If you would like to know more about the different types of Long Term Care Insurance, click here