You can provide for long term care benefits at any time as long as you are able to pass medical underwriting. Since the cost for these benefits is generally based on your age at the time of application, your fees will be lower the younger you are when you apply.

You will need to weigh the availability of your resources and your own personal financial needs to help you decide when it is best to apply for a long term care benefits program.

Here are a few words of caution as you make your decision. It is important that you apply for a long term care benefits program when you are in good health. That is because most long term care benefit programs list certain medical conditions, or combinations of conditions, that will prevent some people from being approved for benefits. You will also be subject to an underwriting evaluation that can involve a physical exam and cognitive assessment.