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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]I tried to get it but an obscure non-verified diagnosis five years ago DQ’d me.  It was a hybrid plan- $126k cost for nine years of coverage starting around $6k a month with a COLA.  It would have paid out over $1.4 million if the entire thing was used.

Needless to say I now have to self insure.  [b]My mom’s care is roughly $7-9k a week at this point.[/b][/quote]

Serious question. How can we say we are proud to be Americans with this kind of highway robbery? I don't care what illness someone has. $7k per week is simply a shame.

This then beg the question, if someone at some point has to pay this much, how can a yearly salary under $1 million be a good salary?

We are royalty f*&#d[/quote]

Average lifespan of a nursing facility patient is 13.7 months, and 53% die within 6 months.  It is a crazy amount, but based on fairly short life expectancies once someone enters the facility.[/quote]

I get the averages, but I'd plan for a bit more.  I've watched one relative live already [b]2.5 years in nursing care (they are 90 now) and still going strong[/b], mentally still there, so it could be 1 month or several years. 
Another just spent 7 years in Memory care, and could have lasted longer if they had not gotten the flu (otherwise they were still doing well considering the circumstances).  
So I'd plan for 2-3 years in advanced care at least.  Don't want to be a burden on our kids
[/quote]

Why in nursing care?  I didn't see any folks in my dad's nursing care that were "going strong" and none seemed mentally there.

There are a bunch in the senior living part.[/quote]

By going strong I mean for a 90 year old who is in nursing care (needs assistance with daily dressing/toileting/etc).  And this person is alerts, memory is great for 90 yo, yes sometimes he thinks something from 7 years ago was a few months ago, but the memory is clear and that isn't all the time. Person knows me when I visit (and they last saw me 7 years ago prior), knows my parents (his sibling) and asked about my siblings.  So for 90, that is "going strong to me".  You can have meaningful conversations with them, they recognize everyone, etc.  They just declined 2.5 years ago when they got covid and never got out of nursing care.  But still does puzzles and plays games when people visit (and with some other residents who are able--yes not all in nursing care can).  Introduced me to other residents as I pushed them thru the halls.  I'd call that doing well for 90[/quote]

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