I was just talking to someone last night about long term care insurance. Evidently there are clauses for FM and such. She knows about my FM and that I am a single mom and all that good stuff. She was recommending that I should look into it. Does anyone here have LTC Ins? Are you utilizing it now? If so, do you find it beneficial? I am seriously considering it. Some of the things she was saying really hit a nerve with me. I am a single mom with no family, if something happens to me it would be up to my son to take care of me. I do not want to put that on him. Any advice?