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Continued: Readers Write: (Feb. 24): Renewable energy, cable merger, choosing judges, long-term-care insurance

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  • Last update: February 21, 2014 - 7:00 PM

Obviously, the 2011 merger of Comcast with NBCUniversal created such a conflicted company. Permitting a merger with Time Warner would compound this problem.

Crawford also compares what’s happening in cable TV and Internet service with the development of electrical distribution networks in President Franklin Roosevelt’s time. Just as with cable TV today, the giant players had divided up their market to eliminate competition. They served only areas that were the most profitable and left rural America without electricity.

Congress and the FCC need to revisit the concept that cable companies should be treated as public utilities connecting content producers to their audiences and customers to the Internet. This would dictate that before merging with Time Warner, Comcast should divest itself of content producer NBCUniversal.

BILL STEINBICKER, Minnetonka

 

LONG-TERM CARE

Gender differences in pricing are realistic

As a recipient of the “Chartered Advisor to Senior Living” designation, I read with interest the Feb. 16 “Your Money” article on the higher pricing of long-term-care insurance for women compared with men.

In the article, National Women’s Law Center co-president Marcia Greenberger states: “It’s pretty simple, these discriminatory premiums now in effect should be terminated.”

Pricing of long-term-care policies is indeed migrating to gender-distinct premiums — not as a function of discrimination, but rather in recognition of the fact that women have a higher claims experience.

The result is that Greenberger confuses equal pricing with equitable pricing. That’s more than pretty simple reasoning; it’s actuarially sound reasoning. Equal or same-gender premium pricing would actually result in discriminatory pricing against men.

Gender-neutral policies still exist from several top-rated carriers. Women interested in protecting irreplaceable retirement assets need only look to find these favorably priced policies before they disappear.

Thomas R. Schwebach, Eden Prairie

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