Reply to How do you prepare for a lonely old age? And how to avoid being lonely when you're old?

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Reply to "How do you prepare for a lonely old age? And how to avoid being lonely when you're old?"

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[quote=Anonymous]
For those in your 40s and 50s whether you have children or not unless super wealthy, you should get advice on long term care insurance to cover in-home care, adult day programs and assisted, memory or nursing care options.  Ww did this early when our closest friends both only children and knowing they would always be the ones supporting in various ways their two adult local children got it.   We purchased a policy because our youngest daughter, who has a cognitive disability, resides with us to take the pressure off of us if one has a need for such care and to help our other two adult children have options on us, the parents, care.  To be clear, we do not have the option of being able to use a continuing care place when there may be only one of us remaining and DD as my folks did , because DD can ‘t be served by one till age 62 as far as I can see.   Yet she will never qualify for adult supported care through a Medicaid waiver because her health and behaviors are very good or put another way we hope she never does or the three of us would be viewed “in a critical level of crisis” at least here in Virginia.

Again, with her options on aging support services limited, it was wise to be proactive early on for ourselves.   We have funds, but we are not super wealthy to be able to self insure future care.  It is also scary when my Mom had memory and died at 96 and my Dad recently passed at 99.  He was still golfing at 98 and driving locally till last spring.  They were able to use the option of a life are setting in early 90s on.   There is no easy answer to aging....bit I think a positive outlook most if the is better than constant doom and gloom.
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