Very rarely do I find what I consider to be an unbiased viewpoint on long-term care insurance.  Truly.  It seems like the majority of the press on Long-Term care has an agenda; either the author is an insurance agent pushing the insurance industry agenda or a member of the media who hates LTC insurance no matter what.  

Then I found a regular column in the Seattle Times, Liz Taylor on Long-Term Care Insurance.  I highly recommend checking her latest column out, linked above. I believe you will agree that Liz makes valid points for and against long-term care insurance.  In the interest of full disclosure, Liz does have a LTC policy, so she must not dislike them too much. 

A few points related to the gist of her long-term care insurance article:

• Liz points out that some policies pay discounted home and community care.  We ALWAYS recommend going with a plan that pays 100% across the board.  You want to stay home as long as possible, and having home health care limited on your long term care insurance policy is bad business.
  
• Genworth and Allianz both offer "non-agency" payment options.  Keep this in mind!  This is a huge benefit down the road.  Most Genworth policies will even pay for friends from church, neighbors, etc. when you need home health care.  This can add up to a huge savings down the road.
  
• Request multiple quotes ALWAYS.  You can do so below this blog post.  We recommend comparing and taking your time when it comes to looking at long-term care insurance.