I've generally argued that you're probably better off paying for long term care insurance, but in a cold sense, once you need LTC, who will help you to fill out the form? :-/

I'm generally meh about using kids as bail out options, but I'm biased. Sometimes, your kids resent you and want nothing to do with you, other times, your kids become meh adults that can barely support themselves, and sadly in some cases, they're not available. :-(