1. LTC insurance will soon go the way of the dodo bird. The time has passed for the for-profit insurance industry to assure the future well-being of America's middle class. Simply put, Americans can no longer afford a decent standard of living in the present and pay the increasingly outrageous prices to insure their long term futures.
    Those with the ability to save and invest are better advised to keep their options open, rather than committing to yet another form of insurance. LTC insurance is for the rich and the fortunate unionized government worker who has access to generous subsidies. LTC insurance is irrelevant for 95% of current and future seniors.