Long-Term Health Care Plans Not Just for the Old

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Byline: Mike Causey, THE WASHINGTON TIMES

Paying premiums for long-term health care insurance is a waste of money for most younger people, correct?

The short answer is that it depends on your definition of what is young - also your genes, and luck.

When it comes to long-term care coverage, federal and postal employees and retired feds are far ahead of their private-sector counterparts. Roughly 217,000 members of the federal family are covered by the government-sponsored group plan. Tens of thousands more have their own coverage, or coverage through some other group or affinity plan.

Not all of those covered are that old. In fact, roughly 40 …