As she says in n her interview with Fox Business News, Aline knows how important long-term care insurance (LTCI) can be. Suddenly diagnosed with severe encephalitis at age 51, her sister’s recovery required care from a long-term care facility. Without some form of LTCI, such health care aides and assisted living facilities can cost families a great deal in out-of-pocket expenses. Anthony, a managing principal at Associated Benefit Consultants, explains that long-term care is a purchased protection — a type of coverage that allows someone to attend to your needs and concerns.