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Dear Pixy,
You write well enough and are interesting to read, but some of your assumptions/facts about LTC and what Medicare, Medicaid, and LTC insurance will pay are, at best, wrong. Two examples:

1. LTC insurance policies have been paying 100% of assisted living for quite a while now. As long as the policy states that this kind of facility is covered and there is enough daily benefit to cover the whole cost.

2. You fail to mention the extremely important fact that, once a person is on MedicAID (welfare), they and their family have lost the right to decide in what setting care will be given and what the quality of care will be. This comes as a shock to many, but it is none-the-less true. When push comes to shove, the government will make the decision as to where care will be received.

It is a fallacy to believe that things are going to turn out pretty good if a person has to go on welfare (Medicaid). Check out the welfare housing in your area. The government is not a very good landlord with regard to maintaining high standards of living, right?
This goes double in long-term care.

Overall, I believe your article is poorly researched in the areas I have mentioned. However, I do not wish to give offense or to question your worth as a person or a writer.

Alan House
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