LTC insurance is not like any other insurance as we need to work with so much uncertainty when designing a plan.  With property insurance, we assess and insure the value of the property.  Health insurers have tremendous negotiating power to keep costs down when we go to the hospital.  LTC insures and pays what we as individuals have contracted them to pay.  Diane shares what decisions go into planning so each family can obtain coverage that is meaningful to their unique needs, usually 20-40 years from the date of purchase.