1. Explain the impact that an aging population has on long-term health care. In what ways are the various personal care facilities alike? In what significant ways are they different?

2. You are the president of LTC Insurance Company and are testifying before a Senate committee on long-term care.

You are asked two questions: Why do only a few million people carry private long-term care insurance? How do you answer the complaints that senior citizen advocacy groups make about the terms of private long-term care insurance policies? What do you say to the committee?