I don't remember who it was on this forum who posted a link to an earlier article by Darrow Kirkpatrick quite awhile ago, but I'm eternally grateful to them. He writes with rare clarity and good humor, and this just-concluded two-part series on the plusses and minuses of Long Term Care Insurance is as good an illustration of his style as anything:
Long-Term Care Insurance: Why We Aren't Buying It - Can I Retire Yet?
Long-Term Care Insurance: Why We Aren't Buying It - Can I Retire Yet?