Do not, I repeat, do not apply for Long Term Care Insurance from Met Life. I have had CFS for 7 years, remained in full time employment for the first 4 years, and am able to run a home and bake to raise money for charity without assistance. Before I applied for LTC Insurance my broker contacted the underwriters at MetLife who asked a lot of questions and saw no reason to deny my application. I applied...and they denied my application. Why? And I quote "because we don't know what the future will hold for you" with regard to my CFS. What a bloody stupid answer! Are they saying that they have a great big crystal ball that lets them see the future for all other applicants, but it goes cloudy for CFS sufferers? I think not! So just don't go there otherwise, like I will now have to do, you will in the future have to answer the "Have you ever been denied an application for Long Term Care Insurance" in the affirmative. If anyone knows of an insurance company that will provide LTC Insurance to CFS sufferers, please let me know and I'll pass it on to my broker. Thanks.