While no one relishes the prospect of needing help in old age, the reality is that 70% of people turning 65 can expect to use some type of extra care in their later years. Such help can run the gamut from a few weekly hours of in-home care to full time residence in a nursing home. Ironically, many of us only realize how expensive that is when we ourselves, or our loved ones, are in a crisis and need help quickly.  So how should you start to think about long term care insurance and whether it’s right for you? Read This.