Let me try again to set this straight. Many of you who are 80 or older wrote in to tell me that you had received premium increases. So I went back to my expert, Phyllis Shelton who was in charge of introducing the Federal LTC program a decade ago. And indeed, she was given wrong information by the government official she spoke with --and passed it along to me! We are both terribly sorry for the error. (The correct statement is that anyone who "takes out" a FLTCP after age 80 will not receive an increase.) In order to help those of you who are in that position, please email Phyllis directly at Phyllis@gotltci.com -- and she will do a personal review of your situation and all your options and give you her advice about the best path to take. We both hope this is a way of making lemonade out of some very sour lemoons!