Out of my league here, not being a lawyer, but want to bring up the idea of a class action suit against the Commonwealth of Massachusetts for violating their own regulations and laws regarding LTC new issues and renewals. I am now in the "grace period" for my LTC which expired on 4/8/13. Knowing the delay in getting through the bureaucracy, I met with my local PD (Tewksbury) and did all the paperwork on 2/11/13. It will be soon be 3 months since the renewal process started. I may be incorrect, but I believe that the regs/laws state that the State has 40 days to make a decision on granting/renewing a LTC. If this is the case, then can the State be sued for violation of their own statues? Probably spitting in the wind here, but wanted to raise the point.