my mother used hers for the last three years of her life. each year the bills approached six figures and the ltc payout really helped. i have ltc and so does my sis so we won't become a burden on each other because let me tell you -- there are some really awful assisted living facilities out there and the good ones aren't cheap.
do your due diligence and pay a financial specialist to analyze your own particular situation. i'm sure you can google the subject for more perspective, too.
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