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Once upon a time (the 70's) some smart people in the insurance business created a product that helped pay for custodial care - costs that weren't covered by Medicare or Medicare supplement plans.

Those early plans evolved into today's standalone and linked long-term care insurance products.  Those plans have paid billions in claims dollars and helped millions of families plan for care.  The carriers and distributors offering them should be proud of the work they've done.

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Althought the full report won't come out until September 18, the federal government appointed LTC commission report is getting some feedback to their summary of findings.

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Recently the Nightly Business Report, a nightly program shown on PBS stations, completed a three-part series on LTC planning and LTC insurance.  Well worth watching, the three-minute video clips cover a range of topics, including buying LTC Insurance, current carrier issues, and what to do if you can't get LTC coverage.

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