The Underlying Challenges of Utilizing Long-Term Care Insurance Long-term care (LTC) insurance is meant to help families afford care when it’s needed most — whether at home, in assisted living, or in a skilled nursing community. Unfortunately, when the time comes to actually use it, many policyholders find the process confusing, stressful, and full of fine print. As professionals who work closely with families every day, we’ve seen how difficult it can be to  understand what’