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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
Some states are forcing you to buy LTC insurance. I’ve heard Washington does this through some convoluted laws.

>>Silver+NI
Washington imposed a LTC tax where some percentage of your income is taxed and goes into a fund for LTC. At the time they implemented it, you could opt out by procuring private LTC insurance. Most tech people I know did, because it was cheaper than the tax imposed. We’re still waiting to see if it’s safe to cancel our private policies.