There are 114 million seniors and baby boomers, and additional millions of young working adults in our country. Only about 8 million of them have long-term care insurance, according to the American Association for Long-Term Care Insurance.

That is rather hard to understand given that almost one in two Americans could spend time in a nursing home, according to the New England Journal of Medicine. And while younger workers might be unconcerned now, there are no age restrictions on the need for long-term care. A disabling sickness or catastrophic accident can happen to anyone, at any age, at any time. In fact, 40 percent of the nation's functionally disabled people who need long-term care are between the ages of 18 and 64.

Young working adults, overlooked as long-term care insurance prospects until recently, are surprising us. They are now an important and growing segment of the LTC marketplace, in large part because they can be contacted through the worksite, and their employers are supportive of them buying the product.