Long term care insurance can be an excellent way to ensure that seniors get the care they need without bankrupting themselves or their families. All long term care insurance policies are not equal, however. Two of the best ways to ensure that you are purchasing a policy that will meet your needs is to: (i) work with an experienced agent who is able to provide you with a variety of options; and (ii) make sure that you understand the pros and cons of each option. You can also do a little internet research to see what current and past customers are saying about a particular insurer or product you may be considering. Click here if you'd like to learn more about common pitfalls or if you already have a policy but are having difficulty collecting benefits.