If you are single and the premiums would be a hardship, then it might not be worthwhile. If you ever need the services, you pay from your assets until they are exhausted then Medicaid kicks in.
For a couple LTC would make sense to preserve assets for the surviving/other spouse.
My employer offered LTC when I was in my late 40s...$100/month, inflation protection, and your premiums won’t go up...til they did 5 years later. I have chosen the self insured route.
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Maryland (DC Suburbs) - first 51 years 
The Villages - next 51 years
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