My mother signed on the dotted line 15 years ago figuring that when she aged the long term care policy would take care of some of her health care needs. Now at 85 years old and needing assitance for daily living .least she forget the stove and burn down the house, she gets 24 dollars a day for care which is nothing by todays standards. But the kicker is Bankers still wants her to pay insurance premiums. We send money to the company they in turn do their processing and give about half of it back . If this isn't a croc I don't know what is. Stay far away from this company if you think you want to deal with them spend the money on a psychiatrist instead.