I really want to buy long term care insurance, but I have read a lot of reviews where people's claims have been denied to no reason over and over again. Or they make it so difficult to collect that they just wear you down and you give up. This seems to apply to even the biggest companies like Mutual of Omaha and New York Life. Is there any company that will honor their LTC insurance contract without an arduous claims process? I don't want to be 90, in assisted living, and having to spend every day just trying to get claims paid.