Connect
← Return to For those of us without family - Who will take care of you ?
Discussion
For those of us without family - Who will take care of you ?
Aging Well | Last Active: Sep 10 8:47am | Replies (179)Comment receiving replies
You have been so very helpful! I would be very overwhelmed by taking this on and would not know where to turn. When my FIL was admitted to nsg home, he had a 90-day wait period that had to be self pay before his LTC kicked in. He did not make it the 90 days so was never able to use his policy. So I really had no idea what to do if we need ours someday. The nsg home personnel don't have time to fight your case for you. I think the money you spent was very well worth it. Being able to stay in your home is a gift. Thank you so very much, Bette! P.S. And thank you for reminding me no premiums are paid once approved for care!
Replies to "You have been so very helpful! I would be very overwhelmed by taking this on and..."
Connect
You are more than welcome. My husband and I have different companies, but both reimburse you for the dollars paid during the waiting period. In my case, with New York Life, the waiting period was reduced from 180 days to 20 (!!!) if I used their special intake process. AND the days provided by Medicare during the healing period after my surgery counted! Of course, all companies have different rules, so when I started to claim my benefits, I still had to get through some challenging steps, but at least it wasn’t a swamp. Over the years we had spent a ton of money in premiums, so when I thought about cancelling, I decided that those were just sunk costs, so I kept on paying. Boy, am I glad I did. I am more than happy to help you answer your questions if I can. Thank goodness for this Mayo board. Wish I had had it ages ago. Bette