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Eldercare
Reply to "Long Term Care Questions"
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[quote=Anonymous]My father in law has one of the best LTC policies i have ever seen. His insurance company no longer offers it and its a money loser for them. He worked high up in insurance his whole career and is totally risk adverse. Starting paying on the policy 25 or 30 years ago. Not sure how much he spent on it. He now lives at Grand Oaks in "independent care" with some fast moving diabilities approaching, major fall at his own house. cost is 8200/month. His policy covers $6k/month for the rest of his life, not term limit. They fought us tooth and nail to start paying it cause they are gonna lose money. its paid for itself in one year. as his cost of care goes up, likely to $14k/month for memory care, the policy will still only cover $6k but its a lifesaver honesty he really could live another 10 years. When we were looking at places for him, every manager was like "wow"-no one has this kind of gold plated coverage. [/quote]
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