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For those of us without family - Who will take care of you ?
Aging Well | Last Active: Dec 14 2:18pm | Replies (229)Comment receiving replies
We are looking into long term care insurance. Taking care of MIL showed me how much we need it. It’s not just the day to day care it’s the nursing care required that runs into unreal expense. She is home and it’s not feasible long term (sadly) but we are doing what we can while we can. Being in a flare up I can’t do what I’ve done. So it puts more pressure on my guy to establish meals, scheduling care, etc, etc. So you are doing the right thing looking into it now. I’ve heard putting someone on the hcp who is not emotionally invested so when it comes time to do what needs to be done, they can make the decisions per hcp with less upset…then again, its a personal choice. All the best.
Replies to "We are looking into long term care insurance. Taking care of MIL showed me how much..."
Sorry, but can you tell me what an hcp is? Thanks.
Be sure to read the fine print. Our Bishop's mother who has paid for long term care insurance all these years wound up in assisted living and the LTC insuance wouldn't pay a dime.
I will be 82 this weekend and my husband is 78. He has a physical disability and some memory problems. I have recently had a colostomy and will have hip replacement surgery in September. We bought long term care insurance about 23 years ago when the university where I was working offered the opportunity, and have kept it since then. Long story short, we began claiming it two years ago for my husband and a few months ago for me. The process of becoming approved is very challenging, but we made it through finally and have in- home caregiving, which is an incredible blessing. I have learned more about it than I ever thought possible, including that we never would have qualified today. We paid into it for a long time, but it is finally paying us back. I strongly support getting it if you can, but it is a rocky road, so be patent and persistent.
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Frontline on PBS had a great presentation. Just search aging on their website. Scary as heck but better to know