zlacker

>>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
Yea, just like the country forces you to buy Medicare, except convoluted because people hate social safety nets.

>>lazyas+qP
Medicare provides a long term benefit as well, anyways the LTC is insolvent and is mostly a ploy to get everyone to pay for expensive unhoused neighbor care (well, the homeless industrial complex gets most of the money, it probably isn’t being used to help many). It doesn’t transfer if you ever leave the state, and doesn’t pay out very much if you ever need it.