Should mom get long term care insurance?

This may be a question for a financial adviser. Remember Medicare and her supplemental insurance do not pay for long term care, if she eventually requires that level of care. A NH runs about 10K per month. The average stay is 2 years, that’s $240k. And 24/7 in home care costs more than that. So as long as her savings can support that type of expense without impoverishing your Dad, she may not need LTC insurance. What if your Dad eventually needs it too?
My husband and I purchased policies when we were in our 50s, and our 2 premiums are about 3K per year total and cover NH and in home services. I know the longer you wait, the higher the premiums are but we are very glad we did it.

Not looking til after you need it is leaving it too late, but unless she has a good income at 66 the premiums may already be more than she can afford. From everything I've read there are fewer companies offering this insurance and those that do cover less and exclude more.

I hope others have some ideas, but maybe one thing to consider is how old her parents were when they died and if there was any dementia.

It's wonderful that she is in good health now and active, engaged. That is huge! Many here deal with family members who have been sickly for years and at relatively young ages.

Is it possible to get some quotes on what LTC would cost?

Buying insurance of any kind is a gamble. We have home, auto and health insurance and pretty much use none of them for claims. But, we need to have it. If your situation should change, and Mom does need to go into a facility, Medicare and supplemental won’t pay forever for her to stay there. I believe LTC would cover that. The costs of care in a facility will blow through any savings she has in a matter of months. It did my mom’s. $30,000 in six months. It’s one of those “better to have it and not need it than need it and not have it” things.