This is then making LTCI unaffordable to the middle class?
(1) Are premiums for existing LTCI policies likely to increase at a much higher rate than in the past making LTCI unaffordable to the middle class?
(2) Are premiums for an identical LTCI policy significantly different from one region to another of the country since the costs for LTC are so different from one state to another since the costs for LTC vary so widely from one state to another - almost a threefold difference (e.g. Texas vs New York)?
(3) What information do you have for Continuing Care at Home programs such Longwood at Home and Cadbury (NJ)? Are such CCAH programs a better choice than LTCI policies?