As companies race hybrid LTC or “linked-benefit” plans to market, many are left scratching their heads wondering which products are best for themselves or their clients.  If a warning light is going off in your mind, heed the warning. There are five main traps to avoid while searching for the best hybrid-long term care solutions, though more will likely follow.  …

"Sustained low interest rates are to the long-term care industry what $4-a-gallon gas was to the SUV market." -Jesse Slome, American Association for Long-Term Care Insurance