Regardless of what survey you read or what poll you listen to one thing is very clear,  people  today are living longer, largely a result of modern pharmacology’s ability to convert an acute illness into a chronic illness.  As a result they will now require  many additional months and years of custodial or skilled care  costing additional billions of dollars .  However despite the fact that  over 50% of our adult population   according to the American Medical Association will require some  sort of long term care , lasting on average 3 years , less than 8% of the population has thus far purchased a traditional Long term Care  insurance product..

Make no mistake about it as people live longer there will be an ever increasing  need for  more custodial , intermediate and skilled  care required by  our aging population. However what seemed to stand  in most