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Eldercare
Reply to "Panicked about finances now that I see how expensive eldercare is"
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[quote=Anonymous]My mom had the "I'll work until I die" plan. In January 2010, she had a stroke. She has been in assisted living since then - unable to walk, dress herself, bathe, or go to the bathroom unassisted, and needless to say, unable to work. Paying $6,000 / month for assisted living. Doing the math, this is $648,000 (and still going). Fortunately, her long term care insurance covers about $4k a month, so it has "only" been a little over $200,000 out of pocket. Her mind is sharp enough, and she does not want to kill herself. She does have an advance medical directive and "do not resuscitate" order, if it comes to that. If your plan is to work until you die, or to only need care for two years or less, keep in mind it might not work out that way.[/quote]
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