Remember, GPU dies these days are designed to withstand pretty high temps about 100c is more or less normal for them :D
No offense, but 95C and up is, even for a vga, pretty high, especially since treshold lies around ~105C, so 100C is not more or less normal, especially for a card with a fan, its more a sign of insufficient cooling/airflow.
I run f@h 24/7 and some WU's, that utilize all my gpu/shader/mem power, will get it to ~85C max, running Furmark and other gpu intensive programs, never make my gpu's pass the ~90C.
Did you use Voltmod from afterburner? If so remove and see if it still heats up a lot.
Also what case do you have and how is airflow regulated, (how many fans, size and position).