[JamesP81]

Disability insurance is inexpensive if you take out a policy when you're young.

And it frequently doesn't pay when a claim is filed. Long term care underwriters have an atrocious reputation on honoring policies.

[iluvspongebob]

I agree that the reputation of Long Term Care Insurance Co’s isn’t great, but I work for a home care agency and we have never had any problems with the insurance companies & we always get paid. Oddly enough it’s our richest clients who don’t like to pay.