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Why do you need Long Term Care Insurance (LTCI)? Sure, long term care is extremely expensive and LTCI will help offset those costs. What I'm talking about are the real reasons you need LTCI. Do you want your spouse or children to have to help you go to the bathroom or give you a bath? Do you want to be placed in a nursing home crammed within a single room with half a dozen other patients? What if that nursing home is a few hours away? Do you want your spouse to be left with no money when you are gone?