LTC insurance claims are hard to get approved because so many claims are not actually long term care. When a claim is declined, the family becomes disgruntled and angry at the insurance company. Usually the problem is what the providers/doctors, facilities are reporting when filing the claim. LTC News reported over $15 billion was paid in claims in 2024. See the details at https://www.ltcnews.com/articles/rising-claims-growing-demand-long-term-care-insurance-key-retirement-plan AHIP (America's Health Insurance Plans) reports over $16 billion paid in 2024 and separates results by states at https://www.ahip.org/resources/long-term-care-insurance-coverage-state-to-state-2025 View current and projected costs of care where you live at https://www.carescout.com/cost-of-care Please be sure to use 5% cost of living increases to get a clear picture of future costs. Schedule time with me to learn more at https://calendly.com/diane-p4t/30min