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Better option than Long Term care Insurance

I had invested in Long Term Care Insurance for my mother who is now 84. After putting $20,000 toward the monthly premiums I lost my job and could not pay the premiums thus losing the policy and any benefits (and my premiums).  I have been researching a different approach to Long Term Care Insurance and was wondering if a Term Life Insurance Policy or something similar would be a better option. I know there has to be something out there that would protect you if you need long term health care, but something also that you could leave to your beneficiaries if you don't make it to the nursing home stage and of course that you don't lose if you can't make a couple of months premium payments. Your thoughts?       


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