By:  | CNBC Reporter

Published: Thursday, 1 Aug 2013 | 11:43 AM ET

Phyllis Douglis was already 70 when she bought long-term care insurance. Diagnosed with rheumatoid arthritis, the retired New Jersey teacher found just one plan with a lifetime cap of $100,000.

“The only thing I could get was limited, because of my physical conditions,” Douglis said.

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