The demise of the Medicare Catastrophic Coverage Act left a gap in health insurance that many senior citizens are trying to fill with private insurance companies. These long-term care insurance policies are so expensive that only the wealthiest elderly, about 15% of those aged 55 to 74, can afford them. To further complicate the issue, a senior citizen consumer group has asked for a Federal Trade Commission investigation into alleged misconduct of the insurance industry. The Families USA Foundation cited several cases of "abuse," including agent misrepresentation, company refusal to pay benefits, and extended payment delays. The Health Insurance Association of America welcomed the investigation, saying that such abuses are the exception, not the rule [AAHA Provider News 1990; 5(3):3,8].