When we got a presentation at work about LTCI---to a bunch of engineers--there were a lot of detailed questions. One was "since the premiums are so high, wouldn't it be smarter to put the amount I'd be paying in premiums into a savings account?"The presenter said that if you had about $1M of assets (excluding your house) when you retired, that you'd be just as well off without a LTCI, jusr self-insure instead.
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