The 3 posts above seem to be referring to the "use it or loose it" type of Long Term Care Insurance (LTCI) coverage. Many of our parents have had this. Some of us do, too. You pay premiums monthly or annually. When the insured dies, all benefits end.
There is another option called Long Term Care Annuity (LTCA). You pay an initial premium up front. There are no ongoing premiums.
Most LTCI policies do not offer a cash withdrawal benefit, or benefits in the event that you don't require long term care during your lifetime. A LTCA may allow access cash value during your lifetime, even if you never require care. And, when the annuity contract matures, your contract's remaining cash value may be passed onto your beneficiaries.
The LTCA polices are not "perfect." As with a traditional annuity, there are fees. Some might even say "hidden fees."
I'm not advocating one or the other, simply pointing out some of the choices available.
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