No one pictures himself becoming an invalid; however, the advance of medical science and the rise in life expectancy increase this risk. In this situation, long-term care insurance serves as an economic safety net. Why is it important to purchase long term care insurance? Nursing care involves great expenses, whether the care is at home or in a nursing home, and the main responsibility for financing these high expenses is borne by the disabled patient and their family, while the state provides partial assistance only. Long-term care insurance helps the patient and their family to maintain the standard of living to which they are accustomed.