This week is a case study and shows how, by waiting, we significantly reduce the amount of LTC benefits we can obtain when they will be most needed.  Diane shares typical premiums for a 31 year old and a 51 year old, and the corresponding benefits.  Would you rather have $840,000 or $2,200,000 to pay for care?  Would you rather cover half of your monthly home care or assisted living bill or 20% of it?  It's so important to plan early to protect your family, assets and choices to the best of your ability.