Retirement planning is an intense issue because many people neglect to include long term care in their plan. Saving for future is indeed important, however, we do not want to deplete our lifetime savings paying for care out of pocket, it would be devastating. The money that we save from years and years of working should be spend in enjoying our golden years, unfortunately, if we fail to include long term care planning, we maybe facing this risk sooner or later. This is the very reason why long term care insurance is necessary despite having retirement plans. It is important that we safeguard our asset and plan early if we have resources to fund future long term care needs.