Thank you, I would definitely follow you and I hope you continue to write on retirement topics like this one. My employer used to provide a LTC policy as a benefit & when I decided to retire, I found it was portable & converted the policy into my name and have been paying the same premium for the last 7 years. I just this month received a premium increase notice, the company received approval from my state Dept. of Insurance to increase the premium by 82%. Needless to say, I am now conflicted whether I should continue with the policy and I just wanted to point out that rate increases of this magnitude are possible for those considering LTC policies.