 The benefit itself is not the be-all, end-all solution for long-term care, but it gives families that relief that they need when they find themselves in a long-term care crisis. Kathy, let's assume somehow tomorrow I get hit by a truck. I don't die, but I need long-term care. How many months of long-term care, if I could get my entire lifetime benefit, how many months would it pay for in long-term? Say I need 24-hour-a-day nursing care. What's that going to pay?