Revacyrus something to consiuder is I don't think anyone is going to giuve you a hard answer on your questions. Your best bet is to contact a agent who is licensed in your state. LTC isn't a simple product to just give out general information. If someone says you don't need it and in the future a LTC issue comes up there might be liability issues. So find an independent agent licensed in your state who offers LTC and get your questions answered.
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