Phyllis Shelton writes: In response to the letter to the editor by Margie Emch in the October 2008 LTC e-Wire (Letter: Inflation option is costly), the long term care Partnership plans are more geared to short, fat coverage than a 6-year plan as the author provides.
A middle-income American will not be able to make up the difference of a significant shortfall at claim time. It is much better to do a 2-year plan with compound inflation in most cases than a 6-year plan with no inflation.