Clark has tried for years to get people of a certain age to buy long term care insurance. Many of us are going to need to stay in a nursing home or will need long term care when we’re old, yet people assume social security will pay for it. That is not true. Most people should get long term care insurance when they reach their ‘50s. The only groups who don’t need LTC insurance are those who have very few assets or millions of dollars in wealth. That leaves about 80 percent of people who do. The New York Times published a story about the three companies you absolutely do not want to have. The third largest writer of LTC insurance, Conseco, has 29 times the complaint rate of the industry leaders. According to reports, Conseco repeatedly does not pay legitimate claims. Banker’s Life & Casualty, which is owned by Conseco, was second on the list. The last one is Penn Treaty American, which is the 7th largest writer of policies. That company has a complaint rate of 9 times the industry leaders. It’s horrible. These people have paid throughout their working lives in order to be taken care of when they no longer can. But that is not happening. Shame on the companies listed for mistreating customers.