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[quote=Anonymous][quote=Anonymous] LTC insurance is less like an auto policy (huge pool and relatively low incidence of accident, so the premiums can be low) and more like dental insurance (almost everyone is going to use it at some point, so the premiums are high and it's really more like a pre-payment plan). [/quote] I don’t know- the real tail risk is surviving a very long time in LTC. I think something like 80 or 90 percent of people will need less than a year. For this reason, I would take the option with the longer delay before the benefit kicks in.[/quote]
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