Obtaining a long term care insurance quote is much more important than many realize. Did you know that it is estimated that over 40% of Americans will spend at least some amount of time in a nursing home or other type of skilled nursing facility (SNF)? This need for long term care (and some form of long term care insurance) could come about because of a disability, a prolonged illness, or just simply old age... Many Americans underestimate both the probability that they will need some form of long term care (LTC) and also the cost that they will be responsible to bear for their long term care. Learning some of the basics of what long term care is, how much it can really cost, and how you can be best prepared with adequate long term care insurance is invaluable to all savvy insurance shoppers and really all Americans. If you take the time to educate yourself now and prepare before it is too late then you will be well on your way to a safe and stress free retirement - no matter how old..