Reply to Do LTC care have pay out caps?

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[quote=Anonymous][quote=Anonymous][quote=Anonymous]

My mom has plenty of money AND got a LTC plan years ago. She’s in memory care and we’re paying 20K monthly for her care - LTC pays 15k of that bill. dementia or disability can wipe out your savings very quickly. [/quote]

Can you describe in a bit more detail your mom’s circumstances/setup? We have an only child and I’m determined to make our older years as easy on him as possible.[/quote]

There’s nothing easy about this phase of life but it’s great that you’re thinking this through now. What kind of info do you want to know?[/quote]

I think a lot of LTC planning is in part making sure the family members feel their loved one is adequately supported in the way their loved one or they themselves would want to be cared for. I would hope that my DH and/or myself are cared for in a way that allows family members to maximize whatever time they spend together, without having to think about things like "is my family member being fed properly; do they have help with toileting; is someone interacting with them in a significant way; if they have limited mobility, is someone paying attention and repositioning them to avoid decubitus ulcers". Has your mother been able to age in place? If not, did she move to a facility of her own choosing? If she moved to a facility, is it a place that you yourself could see yourself spending your last few years?

TIA for your input!

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