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The headline of the lead story in yesterday’s edition of “The New York Times” was devastating to the insurance industry’s already tattered reputation–”Aged, Frail and Denied Care By Their Insurers.” (The word “Evil” before “Insurers” is implied.) Included was a page-one picture of a sweet, little old lady, being comforted by her daughter while battling long-term care insurers who are giving mom the runaround. Even though this does not involve property-casualty coverage, collateral damage will affect all types of carriers, as the general public doesn’t distinguish among the various types of insurers. It’s all one big, bad industry.

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