Smart

Thought I would add a few additional remarks regarding what the caregiver does. While I am pretty independent, she does help me a bit with showering and dressing, and helps my husband a lot more. She does all the laundry, makes the bed daily and changes it weekly, helps us with physical therapy exercises, does some grocery shopping as long as I am very specific, puts the groceries away, unloads the dish washer, and will make sandwiches or other light lunch items. Her first language is French, so there are sometimes confusions in our communications, but we soldier our way through it and manage. One of the most helpful roles she plays is getting the walker(s) in and out of the car when we have medical appointments, most of which she attends with us. It has taken a while to get used to having someone in the house with us—we have no children and are quiet and private people. But, frankly, I don’t know how how could manage on my own, now that I have someone helping me to care for us. We are very lucky.

We purchased LTC insurance too, about 23 years ago. I'm curious about your experience with getting approved. It is something you need an attorney for? As with SS Disability? Just want to be prepared if we need it and wondering if you did it on your own or if you need a professional to help. Thanks so much. Our premiums continue to rise each year and we have been wondering if it is worth keeping it as it will get more and more expensive the older we get. 🙁