Long Term Care Insurance

I found this article about long-term care insurance. It seems that many boomers are reluctant to buy the insurance since it means they are getting old and it is expensive. My policy bill just came in and my premium is $1900.00. I always grumble when the bill comes in but I when I think of the alternative I pay the premium. Of course the biggest question is: Will the insurance you buy today pay for the type of care you will need in the future? We have a neighbor who is probably in her early 90's and I see her being cared for by 2 caretakers, each doing a 12 hour shift. Her family member come and visit her often but they are not carring for her 24/7. Our three children are just getting started in their careers and I would hate to have them have to assume care for an aging parent. My parent are both 84 and living in their own home but I do wonder what will happen when they cannot function independently. So I pay the yearly premium and hope it will meet my needs in the future so I will not be a burden to my children.