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[quote=Anonymous][quote=Anonymous]Is there ANY policy out there that might be worth considering? Nursing home care is approx 10 to 15k a month. I really don't know who can self insure/invest for that. A dementia dx, and you are literally bankrupt. I will say if you find Medicare coverage to do it, God help you. What you hear about Medicare facilities is true. They are seriously awful, having been through this with my inlaws. [/quote] My insurance agent suggested we buy some just to “take the edge off the cost” but that didn’t really seem to make much sense to me. Likewise there are hybrid LTC/life insurance policies but my sense is if you look closely there are better uses of your money. If you do get one at least get a partnership policy— gives you credit against medicaid asset drawdown if you do run out of insurance[/quote]
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