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>>wallfl+(OP)
Delay, deny, defend --- this is the insurance industry's modus operandi.

Insurance is the only industry where customers are the enemy.

>>jqpabc+A3
I wrote a longer response but deleted it as it was just a personal anecdote. Suffice it to say I'll never buy LTC insurance or participate in any elder care such as "assisted living" or "nursing care." It's all (IMO) engineered to drain old people of their assets before they die. Providing care is nowhere on the list of motivations of anyone involved.

>>SoftTa+Un
I disagree. Getting a $3800/mo payment for up to 3 years sure was nice when I had to put mom in a $4000/mo assisted living facility.

There’s a reason companies got away from offering these policies, they were losing money on them.