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Reply to "Talk to me about voluntary supplemental long term care insurance."
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[quote=Anonymous][quote=Anonymous]I read through all the paperwork that my husband sent home, and I'm still not quite sure if it is a smart buy-in at our ages (mid-30's) or not. Granted, it's super cheap per month right now ($13) but still, will this plan even be valid 40 years from now when we'll need a nursing home or caretaker? And what if we never use it, does it become liquid to our heirs? Or am I silly for not buying in now so as to avoid overpaying when we need it? Any insight is appreciated. Thank you.[/quote] We decided to self-insure, largely because of the concerns you raise about its sustainability.[/quote]
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