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About Long-Term Care Insurance ...

David of Falls Church, VA:
I am the kind of potential customer that insurance providers try to avoid. Having overcome three afflictions that have led to or currently lead to more fatalities than recoveries, I am now interested in obtaining long term coverage. Better late than never.

I have two questions. Is there a fairly well accepted formula for calculating a recommended level of coverage? If there is, what is it?

In case it makes a difference to you or a formula you recommend, my 'fatal afflications' included malignant cancer and a ruptured cereberal aneurysm which occurred on the bow of a too small sailboat as thunder scwals approached us on the eastern Chesapeake Bay or so I'm told. Both afflictions have been under remarkable levels of control.

However, not only did I forget that incident, but I also forgot the seventeen years preceding it. That time included memories of where I worked, where I lived, and my marrage. One other effect of the aneurysm my well be effecting this note.

Steven of Baker City, OR:
Granted, some of us may need long term care and yet others won't. It seems to me that the cost of insurance premiums is a critical part in today's life. It seems we can't get ahead without someone wanting to take everything we have away from us. The insurance companies keep getting richer and the poor get poorer.

"J" of Wilmington, MA:
Is it true that LTC insurance pays for things like assisted living? Is it better to purchase at a younger age, say 50 v. 65? I have heard that the federal government is offering LTC plans to employees. Are they sending the message that LTC isc something they expect people to self-insure or plan for?

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