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I think having LTC is smart, maybe even essential, but I'm awaiting other answers to how to make sure it will meet your needs.

I bought my policy about 15 years ago. I've paid faithfully on it. Last month I got a letter raising the premium 67% And the sad thing is, I'm not even sure it is adequate for current prices. I've got to call the agent and check what is covered.

I hope other people give us some good advice!
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