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thinking of purchasing l.t.c.i. for my wife & i.two types available in n.y.s. the regular policy & the partnership policy. the regular which is more expensive(premiums)covers for an indefinite stay, while the partnership covers just for 3 years & subsequently extended medicaid kicks-in.the latter is less expensive & i understand your assets are untouched by medicaid. any opinions,suggestions,especially from those who have taken-out L.T.C.Insurance. thanks. let's have some replies?????
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