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LONG TERM CARE INSURANCE: DEBUNKING THE MYTHS BACKGROUND LONG TERM CARE INSURANCE: DEBUNKING THE MYTHS Anyone, no matter what age or state of health, may need long term care (LTC) services at some point in his or her life. Yet 72 percent of Americans say they are unable to pay for LTC without outside help.(1) For most, that help will come only after they have exhausted their personal assets and are forced onto welfare. Today, our nation's long term care financing system steers people toward impoverishment and reliance on Medicaid, a government welfare program. In the next century, Medicaid will

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