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I do not have a long term care policy at all. Apparently people tend to need less than 2 years of it anyway, since they die then. Of course, that is on a statistical basis. But would I be better off to self-insure and save the premiums?

We have opted to self insure, even after seeing how expensive it is to pay for care. We also saw how little long term care insurance paid when that care was needed. None the less, it is hard to justify paying the premiums for the insurance for all those years, just to cancel the insurance when you are most likely to need it. Not logical. A small amount of thought would have reached that conclusion.

We are our own worst enemy as we age.

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