Be careful. There are countless legal cases where LT insurers refused or found loopholes to get out of paying. Many believe the LTC insurance industry is a scammers paradise. End of life is difficult and made worse by the industry. Some things you can prepare for, this may not be one of them short of maintaining a substantial net worth that the vultures can devour as you whither away.
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Mike
“I wouldn’t want to live under the conditions a person could get used to”. -My paternal grandmother having immigrated to America shortly before WWll.
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