I have known,and still know, a number of people who have gone into nursing homes for years. I have also had the educational but sad experience of watching over and looking after a relative who had to spend down until she was on Medicaid. She was allowed $40. a month by the state of Maryland for all her personal needs. I am extremely pleased with the policy I bought from Penn Treaty after reading about them in a Consumer Reports article on long term care--I think it was Oct.l997. I think I will be able to afford the premium until I die or until I need the insurance, AND I feel much more secure knowing that any care I may need, in or out of an institution, probably will not bankrupt me.