^This. I'm in my 30's and have a LTC policy. It is true that most people collecting on them are young people that have been in accidents. I'm more worried getting in an accident driving to and from work. I didn't buy a LTC policy at my last job because the drive in to work was at lower speeds and back roads. I guess I could still have been injured but I felt safer. Now I'm on a major interstate with lots of semis. There are always 3-4 accidents on rainy days and it's not unusual for one of them to be an overturned semi. I don't want to be under or near one of those. I would say that 60 is the latest you should wait to get a LTC policy but you could be playing with fire if you can afford it and don't have it. It's worth considering given any personal health risks and other outside factors that may result in long rehabilitations.