Most employers in the United States do not offer long term care in their benefits package because it is one of the least understood and most overlooked forms of health insurance, and is most associated with the elderly, with people who are no longer in the work force. Specifically, long term care is intended to pay the costs of assisted living, in home care and skilled nursing care. There is a speculative risk to long term care insurance. Simply put, a person who is paying for long term care coverage is betting that he or she will end up in a nursing home. Most companies do not want to incur the cost of paying a portion of a premium or even the cost of administrating the plan to employees when it is not something that is likely to be used while employed and at the same time is not likely to be asked for by the employee as part of their benefits package.