@roger,
Hi roger, nope, I'm largely clueless on this subject. So I haven't been.
I think she's going to want coverage beyond 36 months, though. There is nothing immediately life-threatening going on and I think it's likely that she'll be around for more than 36 months after she stops working.
I actually think she might have regular insurance lined up -- I have to talk to her more about that. What I'm asking about in particular is long-term care, which most standard insurance doesn't cover. (I.e., not the emergency room visit for the broken hip, but the home care that occurs while she recovers.)
Swimpy, interesting. It does sound like a great idea to me. Interested in how it works out.