My two best friends are both senior citizens in their 60s and 70s, respectively, they have advised me on occasion to look into long-term care. Though not wealthy, they are both financially independent. Now granted, I'm more than half their age and have got a loooong ways to go before retirement, way too long.
I figure I don't need it now or won't need to start thinking about it for at least a couple more decades. Besides, I need the money now when I'm still young enough to enjoy life. My pension should be sufficient along with Social Security (assuming it's still around when I retire), provided that I would live a simple lifestyle and stay healthy. On the other hand, I'm diabetic, so anything could happen. At least if I die at a young age, I wouldn't have to worry so much about my future financial situation, one way or another.