When we left you, my father’s long-term care insurance had just denied him long-term care coverage, and we were getting ready to appeal. Then a strange thing happened. The insurer offered to pay back all his premiums. Dad’s eyes lit up. Ramming speed, I said. Continue reading →

While it is true that my father never read the policy, it is also true that he was hoodwinked. He signed on to a policy called long-term care insurance, expecting at some point to get long-term care coverage. But let’s wink at knucklehead gullibility for now and consider how the policy was introduced to him. Continue reading →