The future is doubtful and anything can happen. You may live a long and healthy life, only to die at the age of 102 while you are out on your daily jog, or you may suffer with a stroke at the age of 62 and require long term care to help do your daily activities. As a consequence, you need to start planning for long term health care to guarantee you do not suffer from a surprising event that might leave you as a financial burden on your family.