There has to be a challenge to anything that makes you pay for something when you are not getting anything in return.
There’s a lot of insurance that won’t cover certain things within certain initial time periods.
For example, I bought an “accidental damage” policy for my laptop that wouldn’t cover anything for 2 months after purchase.
Some life insurance policies won’t cover certain types of death within the 1st two years, like suicide.
If you are already in a long-term care situation, why should you be able to buy “insurance” that would immediately cover your long-term care? If you could, why would anybody pay a dime for the insurance, until they actually needed long-term care? And if they all waited until the needed it to buy the insurnace, wouldn’t the insurance cost more than just paying for the long-term care, unless the insurance company is in business to lose money?
The whole point of insurance is that lots of people pay for something and get nothing in return, so that the few people who DO need it get full coverage for a fraction of the price.