Yes indeed. Part of the problem is having “insurance” draining part of the resources. Long term care means it isn’t an “accident,” but a constant recurring cost. Saving the money up front, producing income, and paying directly for what you need is often a better strategy.
>>esseph+uA
Companies are not in business to lose money, and you have to fight them to collect. That there are some low probability exceptions is not enough in their favor imho.