Article: Companies short on interest in long-term health care insurance.(Special Report)

The last year before Mary Smith's father died, the cost for his care in a nursing home ran about $50,000, bringing the cost for the eight years in the home to nearly $500,000.

There was no insurance to cover those costs. It was all paid out of the family's estate, including the sale of the Smith family home.

Mary Smith is a pseudonym; she preferred her real name not be used.

The experience of her father's lingering death was almost too painful to recall.

"He had a stroke and he couldn't speak and was completely paralyzed. It was a horrible experience. My mother tried to keep him at home, but she soon realized she couldn't do that," Smith said.

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