No one wants to become unable to care for themselves, but it’s likely, with studies showing a 70% chance you’ll need some kind of care after age 65. Long-term care insurance will help pay the bills should you need care. And this kind of care isn’t just for seniors. You could be in an accident or have a debilitating illness and need help. 40% of those who receive long-term care are under 65. According to the American Association for Long-Term Care Insurance, the average need for care is over 1,040 days – over two and a half years! So who pays? You will, unless you have long-term care insurance.