My mother refused to buy any, and never discussed it with my sister and me. We looked after her at home for seven years. She got to where she had to have so much assistance until the doctor told her she had to go. She went in April 2013 and is still there costing her $2100 a month. She is in a wonderful place just a mile from her home. I know this is much less than it costs in a large city. We are in a rural area in Middle GA, but that still adds up. She is ninety now.
When I retired in 2007, I took it for my husband and myself. I was 63 and he was 65. My aunt and uncle had it and it really paid well for them to stay in a wonderful assisted living in a larger city in our state.
I was afraid not to take it with so many bad things happening to people in their fifties and sixties. My policy is through a group that writes policies for teachers. I pray it will pay, if we ever need it. If we live long enough, we will. We have one child and she lives a very busy life in New York, and I would never won't to be a burden to her.
Yes, I would advise anyone in their mid- sixties so check into a good policy. Do not procrastinate. We never know. It is best to be prepared.