Long term care insurance is typically available to individuals who require assistance with activities of daily living or have a cognitive impairment. Eligibility criteria may vary by insurance provider, but generally, individuals who are unable to perform two or more activities of daily living, such as bathing, dressing, eating, toileting, continence, and transferring, may qualify for long term care insurance. Additionally, individuals with cognitive impairments, such as Alzheimer's disease or dementia, may also be eligible. It's important to note that eligibility criteria can differ between insurance companies, so it's advisable to consult with an insurance agent or representative to understand specific eligibility requirements.