Recently we have seen companies leave then re-enter the market place, increase rates and change benefit structures. These actions have greatly affected what product we sell in the Long Term Care market and the benefits that we propose to our clients. For many cases, it is no longer feasible to offer “Cadillac” coverage for most people. We need to look at scaling back the benefits to a point that covers the basic needs but doesn’t break your client’s budget. We have the experience and markets to custom design a plan to fit your client’s needs.