(2)  From the perspective of an LTC provider, what actions could be implemented to help lower the overall industry claims losses for the LTC insurers in order to preserve the availability of LTC policies to the provider’s residents.  Consider that with viable LTC insurance, more consumers can afford expensive LTC services such as assisted living or luxury memory care or nursing facilities.  Consider further that with more consumers insured with LTC, the LTC providers have a more certain source of timely payment than if relying on the individual.  Thus, financial solvency of LTC facilities and financial solvency of LTC insurers may be closely related.