Key points are not available for this paper at this time.
Christopher M. Murtaugh, Brenda C. Spillman, Mark J. Warshawsky, In Sickness and in Health: An Annuity Approach to Financing Long-Term Care and Retirement Income, The Journal of Risk and Insurance, Vol. 68, No. 2 (Jun., 2001), pp. 225-253
Murtaugh et al. (Fri,) studied this question.