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Long Term Care Insurance

edited October 2017 in The OT Bullpen
My parents both have long term care insurance policies. Both policies are a daunting and bewildering maze of jargon which I've been trying to understand better. Even my parents seem to be fuzzy about what it all means. Btw, I'm pleased to say that both of my parents are in excellent health.

Do any MFO members have experience with long term care insurance policies? If yes, any suggestions about what to look for? From what I've been reading, long term care insurance doesn't seem to have a positive reputation. Very difficult to collect, max. daily benefits being retracted, elimination periods being altered by the insurer amongst other disturbing issues.

Thanks in advance for any and all replies!
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