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We were considering a policy through DH's work. It's an inflation-adjusted policy, so the rates don't go up, but the benefits do. So at age 38 our monthly premiums would be $38 each. And the policy has non-forfeiture (is that correct?) where you will still receive some benefits even if you quit paying the premiums. But we're torn because we're so young, but then they tell us that 1/3 of the LTC claims are from working-age people. If we buy the insurance now, the total amount that we would have paid in premiums by age 80 would be substantially less than if we wait until age 55. But the industry could change significantly over the next decade or two. So we're not sure what we'll do. Thoughts?
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