It was not raining when Noah built the ark.
You must have seen that sticker somewhere at one time or the other.
In the same way, you shouldn't already be in need of long term care before you start looking for a long term care insurance policy.
It will be too late then.
However, getting it as some other point in your life could also be too early.
Here's the right time for you...
If there's a history of health conditions that require long term care in your family, note the average age when they began to need special care.
You will do well to subtract at least ten years or even more and then get long term care insurance then.
Waiting to do it at a later date may be too late for you.
It's usually very difficult to get it when the evidences of its need become obvious.
If you don't have such a history in your family but realize that due to certain habits, job hazards, accidents, exposures, etc, you may need special care down the road, you'll do well to get your long term care insurance policy long before the projected period of need.
For those who are simply growing old gracefully, waiting till you're fifty may not be a bad idea.
However, if you prefer playing it real safe, you can get it now.
Like everything in insurance, the more likely you'll not need it, the much lower your premium.
Look at what you'll pay and compare it with the peace of mind you'll have.
If you do thorough research you'll get long term care insurance at very low rates.
Thus making it a lot less demanding even if you decide to get it now.