Thank you for your article, which I found to be balanced with the exception of the portion which dealt with the likelihood of using LTCI policies. Like several of your other commentators, I too found this information overstated if not incorrect. I would point you to Favreault & Day (2016), who put the estimate for the likelihood of needing long-term care around 50 percent, waiting periods not withstanding. This practice is not without precedent even among social insurance models. Medicaid dual-enrollees face waiting times from one month to a year in some states. CHIP recipients in many states face up to a 90-day waiting period. It is also important to note that care under the 90 day mark is often not considered "long-term" care, having failed to meet the justification of the nomenclature. I had the pleasure of being a student of Mark Meiners at GMU, where I am getting my PhD in Public Policy. I can't speak for Dr. Meiners, but from my understanding he would have a different take on the issue of waiting periods. My dissertation is on the small size of the private, individual long-term care market. Families facing the realities of long-term care are often unprepared for the circumstances they find themselves and their loved ones in. It is a difficult and complicated time on many levels. It is very understandable that the logistics and administrative hurdles associated even with the best case scenario, when LTCI is owned, can cause added --and in this case--long-standing stress. Respectfully yours, Johanna C. O'Loughlin