Some holders of CNA long-term care insurance policies have received a package detailing the terms of a settlement of a class-action suit that revolved around rate increases on CNA policies. The owners of those policies have been given four very confusing choices of how they can participate in the settlement. Since my own parents have those policies, I made a careful examination of the choices.

While the advice won't be the same for everyone, here's what I told them — and it appli ...

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