[cquick]

Originally Posted by BostonCelt

John Hancock also. With whomever you go, try to go through a group or organization (such as your insurance co, or employment...) rather than just one-on-one with the LTC provider. You'll do better. Mine is through my insurance, USAA.

First, though, determine if you really need it, if now is the right time, and what you need or want. What you'll actually be doing is "insuring" your estate so it can be passed on to the heirs of your choice, rather than used up on nursing homes etc. In other words, you don't benefit, your heirs do. So make them pay the premiums!! Good luck!

oh, what a good idea....make my son pay the premiums....RIIIGHT, like that's gonna happen!