There have been quite a few previous discussions on whether to buy LTC insurance or not, so I don't think we need another one as it's already all been said.
However, I ran across this new calculator on the recently revamped MSN Money site, and it seems to me this might be useful for those who prefer to self-insure (e.g., not buy LTC insurance). It allows you to set some very basic parameters and play around with them to see whether you are saving adequate funds for self-insured LTC.
On the last field, when I did this I entered a 5% percentage. This is the standard compounded inflation protection option on LTC policies. IOW, my current daily LTC insurance benefit is $227/daily, and will go up 5% every January.
Here is a link that might be useful: LTC Calculator on MSN Money's website