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Author: TMFPixy Big gold star, 5000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 19483  
Subject: Re: Nursing Homes likelihood Date: 2/24/2000 7:21 AM
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Jasmada sez:

<<...most long term care is custodial in nature...>>

Oh really? Maybe it is in your view, but that largely depends on how you define LTC. By most LTC definitions, though, that remark is totally inaccurate and another misleading datum fostered by the industry. The truth is most LTC is for assistance in one or more of the ADLs and IADLs provided at home on a far less than 24-hour basis. Indeed, much of it comes through help in transportation, housework, cooking and bathing. In many other respects, the recipient is independent, and often ineligible for benefits due to tight trigger points in many LTC policies. If you truly think otherwise, then may I suggest you read the literature starting with that I cited in the column.

Note that I am not suggesting people forego LTC insurance. As I have said repeatedly, that's a personal decision. Recognize, though, that LTC is a broad definition and does not mean custodial care only. Your hype demeans your arguments, some of which are valid yet denigrated by your blind passion. Tone down the tenor of your remarks and perhaps you will be heard more clearly.

Regards..Pixy
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