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Money and Finances
Reply to "Long-term care insurance?"
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[quote=Anonymous]Probably wise to fully understand what you get out of any LTC that exists versus what may happen to you when you get older. The average tenure in LTC isn't particularly long, I believe. Medicare will cover a lot. My father has PSP and is still at home with my mother has his primary caretaker and a nurse comes in every week for bathing plus more if needed, and every penny is covered by insurance. True, it's not paying for a full time nurse though we will if we need to. But we also know when it gets to that point it won't be for years and years, most likely a year at the most. Also consider full service retirement communities with continuing care assistance. With one community I've been told if you move in when healthy and later develop critical assisted living care you are grandfathered in and will be taken care of no matter what. They don't kick you out. But presumably varies from place to place. Best to talk to specific advisors in this area. [/quote]
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