Long-term health care is arguably the No. 1 problem facing seniors in the United States. To address the potentially staggering costs of care, more than 8 million Americans already have purchased long-term care insurance (LTCI) policies. With tens of millions of baby boomers entering their 60s, and as a result of federal and state programs that promote long-term care insurance to reduce the strain on Medicaid budgets, the number of policyholders is expected to increase dramatically in the near future. The viability of LTCI depends upon prompt, fair claims-resolution procedures.