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Cost of memory care for an Alzheimer's patient
Caregivers: Dementia | Last Active: 2 days ago | Replies (56)Comment receiving replies
@memoriestomoments Can you say who you were insured with? It is great that your LTC insurance is actually helping. I have heard bad stories on that kind of insurance. I am thinking that if I cannot get it for my husband now (he is already diagnosed with MCI), that maybe I should get it for myself...Was he on any medication, did he try the infusions Leqembi or Kisunla? Thank you again.
Replies to "@memoriestomoments Can you say who you were insured with? It is great that your LTC insurance..."
Hi sorry I missed a question you posed re medications. Namenda (memantine) and aricept (Donepezil) only.
Later I used a Seasonal Affective Disorder light ( 20 mins) each morning -- helps circadian rhythms -- sleep and energy/emotive state
Tried transcranial light therapy -- decided it was best for a person in earlier stages.
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Hi @llthomson
Sure. We have John Hancock. However I would note that we bought the policy back in the 90's! It is great in that there is no limit on the benefits (they do other end after a certain Total dollars or time) but the payment is moderate because we did not buy the increases they offered over time. Starting now I would shop around and make sure I understood the details. For example, our policy is one that reimburses for caregiving. There is a LOT of administration needed. Another friend has a policy (don't know with what company) that pays a daily amount regardless of what is spent and they are making money on that policy so far.
BTW. I held off on claiming the LTC coverage benefits because I thought he needed to need help with many ADLs to start receiving payments., but when I called, they said that if I had to cue him to get through those Activities, he qualified to start . I give this just as an example. read the policy, yes, but talk to them also to understand things like that.