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Eldercare
Reply to "Long term care insurance "
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[quote=Anonymous]I would rather self-insure, i.e. pay for what we can out of savings and pension. I might look into a trust later to make sure the other spouse is protected as much as possible. Firstly, I am not sure the value is there in terms of the policies being offered now. You pay in a lot, and it may not cover what you need for as long as you need it. But the other part of it is the hassle of trying to claim - they are incentivized to deny you. So it means a lot of paperwork, appeals etc etc that I am not sure we will want to go through at that age. Like many of us my current thinking is that I would prefer to go to Switzerland. But I am also experienced enough to know that many people think that, but few actually do- whether because by the time they want to they are too deteriorated, or because when they get to that situation they find more value in life than they expected- visits from grandchildren or whatever. [/quote]
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