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Eldercare
Reply to "Decided to purchase Long Term Care insurance"
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[quote=Anonymous][quote=Anonymous][b]I think the rich should self insure and the poor should spend down and get on Medicaid. Policies nowadays are too expensive and the payout not that great.[/b] I’m not rich, but think I will have enough to cover 5-10 years in a facility but if by some small chance I run out, then Medicaid it is. I hope to leave an inheritance, but if I can’t, then I hope my heirs will understand. What I don’t want to do is put my kids in the position of having to support me.[/quote] This. My parents are UMC. They self insured. My parent was in memory care for two years. It was $200k. It was about a wash between paying for the insurance and what was paid for the care. [/quote]
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