Read FPA article entitled "The Financial Desirability Of Long Term Care Insurance Versus Self Insurance" by Gold, Vander, Linden, and Herald. This study compares the financial desirability of buying long-term care insurance versus the opportunity cost of investing the required funds. Research a scholarly (peer reviewed) journal article pertaining to Long-Term Care Insurance from the Columbia College Library: (http://library.ccis.edu/home).

In 4-5 short paragraphs, critically assess one of the key statements or main theses and explain how the articles and/or authors support your position.