1. Long-term care insurance, as currently structured, is unsustainable. Both the financial underpinnings and the treatment of individual policy holders spell doom for the industry. It is time for America to take a comprehensive look at long term care, and simultaneously to develop appropriate financial tools built on individual responsibility, humanitarian priinciples, and mutual trust.

  2. Not enough information in the article to make much of a determination… will have to wait and see. So far I see nothing out of the ordinary here. It's rare but not exceptional for carriers to amend policies, ie by requiring 24hr nurse presence to protect policyholders).