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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]In our family, people save for this eventuality and hope it doesn't happen. If it does, they have the money for it, and if it doesn't then that money goes to their kids. Same with deaths - my cemetery plot and headstone were paid for when I was a baby. My nephew and niece are 7 and 3 and theirs' are too. [/quote]
 :shock: [/quote]

seriously, who does this? like are you some ethnic subculture? Regular American people don't do this. I'm fascinated.[/quote]

Meh. I'm a regular American and my middle class parents bought me whole life insurance when I was a baby. It's 50k, so enough to pay for a funeral. I know lots of people who have small amounts of whole life insurance like that.

All of my relatives purchase their cemetery plots when they retire. My grandparents picked out the cemetery, casket and everything. So did DH's grandparents in their rust belt town.

DH's grandma was in a medicaid nursing home and it... was not nice. There were 3 beds to a room, it smelled bad and it was basically a hospital like room. Nothing homey about it like a normal nursing home. She was only there a few weeks and luckily could afford her regular nursing home until it got bad. I was surprised my inlaws didn't take her home and get hospice to pay for a bed to be setup in their house. I'd only let my relative go to something like that if they were a vegetable and didn't know it.[/quote]

Hospice doesn't do this as easily as one may think. Most end of life is dying in place. The only people I know now who move to a hospice center have great (and no longer available) LTC policies and/or are of substantial means.

I don't get how she wasn't able to remain at her regular nursing home: What got bad? They ran out of money? I'm not familiar with someone being moved when in the end of life. [/quote]

She ran out of money and needed more intensive care. [/quote]

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