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[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.  My mom’s care is roughly $7-9k a week at this point.[/quote]

That's an insane amount- I have heard up to $150k/year for a nursing home, not $400k.  What sort of care is required?  How long has it been at that level?[/quote]

400k, she must have 24/7 care at her home.[/quote]

This is the PP.  My mom is in memory care at $15k a month and she needs a one-on-one aid at $36-$38 an hour (weekday/weekend).  She needed 24/7 one on one care for a few months, we’ve backed it down to overnights for now but have had to add in some daytime care here and there.

She’s the worst case scenario- late stage dementia, too weak to walk but extremely restless and agitated and can’t sit still so she’s constantly trying to get up.  She’s on hospice and they’ve been trying to get meds right so she’ll calm down and chill.  But she’s always been restless and never knew how to relax.

Just when you think you’ve seen the worst with dementia it throws something else your way.  It really is the absolute worst.[/quote]

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