Charles F. Hinckley, Jr., thought he was doing the right thing in 1995 when, after months of careful study, he bought long-term care insurance for himself and his wife, Nancy. The Hinckleys were looking for a way to make sure their children wouldn’t have to worry about how to provide them with nursing home or other custodial care —
MAYBE YOU’VE SEEN THE AD in a newspaper or magazine: “In today’s job market,” the headline says, “employers want more than the same old B.S.” In this case, though, “the same old B.S.” is a Bachelor of Science degree. It’s an attention-getter, all right — and just one salvo in a public-service media campaign being waged by the Advertising Council (the folks who brought