Posted By B. PLUNKETT Wednesday, October 25 2017 at 6:29 PM "Here's what to do" ??? Really ? Nothing new here - these concepts are soooo old. waste of pen and paper. Posted By M. Smith Wednesday, October 25 2017 at 4:09 PM This article provides good advice. The post from T. Murray is in my opinion harsh a little, but understandable. The current LTC industry is MUCH better than it was in the past. Years ago companies made assumption mistakes that lead to rate increases and agents were trained to sell fat, inflation rider included policies which lead to big increases % wise. Today, companies are better informed, making better assumptions, and pricing product properly. Advisors are doing a better job as well. Posted By T. Murray Wednesday, October 25 2017 at 11:34 AM "Advisors generally advise clients to swallow the premium increase and maintain their current level of benefits if, like Steckler's client, they can afford the increase." Afford is very subjective. Do they stop going on vacations to "afford" the increase? Stop going out to eat? Downsize their home? What if there is another 88% increase in a few years? When do you say enough is enough? What a broken industry/product.