Too bad the LTC industry is kinda dead!

yep. it's a total market failure. 20 years ago, carriers completely underestimated the tail of cognitive decline and priced it way too cheap. now the legacy claims are bleeding them dry, which is why new LTC policies are basically non-existent or priced for the moon. it's a tough lesson in what happens when the actuarial data lags reality by 20 years.