TwoCybers....I believe that the most significant factor in your post is: "But that something like 90% of those entering the facility would leave before 90 days. The two largest "reasons" for leaving the nursing home were death and sufficent recovery to return to the patient's previous living arrangement." I have read these same statistics on one of the boards on the Fool.I'm having difficulty justifing the cost of the LTC insurance. I like to change your stats just a bit. You have only a 10% chance of spending 91 days or more in a LTC facility. I just think that with those kinds of odds the insurance companies are going to make a killing.Leaning toward no LTC insuranceVagabond
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