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All I want for Christmas is long term health care insurance
Posted on 3/17/18 at 8:37 pm
Posted on 3/17/18 at 8:37 pm
What a rough last 2 months, but today has been especially challenging
My FIL has diabetes & somehow hurt his foot
My wife told him to go to the doctor for damn near a year
Well, he finally went 2 months ago
At 1st, we thought he was gonna lose a few toes
Turned out to be his right leg up to the knee
Problem, he was a HEAVY drinker
So. We spent 2 weeks in the hospital dealing with DTs
Then they took the leg
He got out a out a week ago
He is wallowing in self pity (can't say I blame him)
My wife & her brother are taking turns spending the night with him, tonight is her night...
I can honestly say that I never wanted to or thought I would see my father in law's penis...
Anyway, he has some cash (thank God) so we have home health care sitters during the week ($2,000 or so a week)
We just did potty time & the wife is cleaning him up for bed
Me? I'm buying long term are insurance in the next few weeks
What have I learned? I have learned that somewhere out there is a 20 something year old that may be wiping my arse someday...
Yeah, I think I'm ready for long term care insurance...
My FIL has diabetes & somehow hurt his foot
My wife told him to go to the doctor for damn near a year
Well, he finally went 2 months ago
At 1st, we thought he was gonna lose a few toes
Turned out to be his right leg up to the knee
Problem, he was a HEAVY drinker
So. We spent 2 weeks in the hospital dealing with DTs
Then they took the leg
He got out a out a week ago
He is wallowing in self pity (can't say I blame him)
My wife & her brother are taking turns spending the night with him, tonight is her night...
I can honestly say that I never wanted to or thought I would see my father in law's penis...
Anyway, he has some cash (thank God) so we have home health care sitters during the week ($2,000 or so a week)
We just did potty time & the wife is cleaning him up for bed
Me? I'm buying long term are insurance in the next few weeks
What have I learned? I have learned that somewhere out there is a 20 something year old that may be wiping my arse someday...
Yeah, I think I'm ready for long term care insurance...
5
Posted on 3/17/18 at 8:54 pm to dcbl
My wife and I signed up for it several years ago. It's a hard choice. Do I really want to live like that or just find a way to end it. I guess I have signed up to see what happens at this point.
Posted on 3/17/18 at 8:55 pm to dcbl
I know your pain. I watched both parents die ugly deaths. Cancer in one, Alzheimer’s in the other.
I have a bottle of barbiturates stashed. No way I go thru that bullshite. I’m not contributing to the greedy fricks in the misery business.
I have a bottle of barbiturates stashed. No way I go thru that bullshite. I’m not contributing to the greedy fricks in the misery business.
Posted on 3/17/18 at 9:10 pm to dcbl
quote:
I think I'm ready for long term care insurance.
Be careful, not like the old days where it was lifetime and had cost of living increases. Some of the newer policies cut off after 1 to 5 years and many no longer have the cost of living increases.
That said, if you can get a good policy, it will be the best thing you ever bought.
Posted on 3/18/18 at 12:24 am to Cheese Grits
You may want to look into long term care riders attached to life insurance.
LTC standalone products are being gutted or have unreal rising premiums to pay out the benefits.
When attached to whole life, long term care rider benefits create a natural hedge effect with the death benefit. As in, the riders are considerably cheap relative to standalone products + you get added life insurance
If you just get standalone LTC and die without using it, you paid a F ton of premium with no benefits. With a WL you get some $ back on top of protection in that situation
LTC standalone products are being gutted or have unreal rising premiums to pay out the benefits.
When attached to whole life, long term care rider benefits create a natural hedge effect with the death benefit. As in, the riders are considerably cheap relative to standalone products + you get added life insurance
If you just get standalone LTC and die without using it, you paid a F ton of premium with no benefits. With a WL you get some $ back on top of protection in that situation
This post was edited on 3/18/18 at 12:26 am
Posted on 3/18/18 at 8:38 am to dcbl
I need to look into this. My brother died in December and was in and out of hospitals for the last 5 years. Spent a lot of time helping him use the bathroom, so I know what you mean.
My wife and I have no kids. I do need to look into long term care insurance. We have no family to even possibly help us.
My wife and I have no kids. I do need to look into long term care insurance. We have no family to even possibly help us.
Posted on 3/18/18 at 12:09 pm to kywildcatfanone
quote:
My wife and I have no kids. I do need to look into long term care insurance. We have no family to even possibly help us.
I would suggest you look into it buddy. Even if you did have family that could take care of you, do you really want to put your kids and their kids for that matter, through having to take care of you around the clock the last few years of your life?
While people are living longer and living better thanks to modern medicine the downside is that the final collapse of our health is a lot longer. What might have taken a few months can now take a few years.
Posted on 3/18/18 at 2:32 pm to dcbl
quote:
he was a HEAVY drinker
Should be ineligible for Medicare and have to pay for everything out of pocket.
Posted on 3/18/18 at 6:40 pm to CaptainBrannigan
quote:
Should be ineligible for Medicare and have to pay for everything out of pocket.
So should 80% of the people you shill for that abuse welfare.
Posted on 3/18/18 at 8:16 pm to dcbl
quote:
Poor people that smoke or don't eat a healthy (State approved of course) diet should be left to their own resources and left alone to die quickly (to ensure they don't drain valuable resources)
Nice attempt but illegal drug use probably chews up at least 1/3 of health spending. This includes abuse of legal drugs like booze and illegal drugs like dope.
Posted on 3/18/18 at 8:27 pm to Cheese Grits
quote:
Nice attempt but illegal drug use probably chews up at least 1/3 of health spending. This includes abuse of legal drugs like booze and illegal drugs like dope.
I get it and I understand the sentiment
BUT, a guy like my FIL who worked his whole life and paid in to SS and medicare has every right to collect his benefits when he needs them. I would argue that he has MORE of a right to collect, despite his unhealthy and poor choices (IE heavy drinking) than someone who never paid in
the who;e health care issue is a hot mess, and I did not mean to open that can of worms ITT...
since it is opened though, do we want to get into having the government regulate behavior?
what should determine one's eligibility for benefits, or rather, should good lifestyle choices be more of a factor in determining who gets benis than fiscal contributions throughout a working career?
OK - soapbox ON - [OFF]
Posted on 3/19/18 at 7:58 am to dcbl
Taxpayers should receive the benefits they worked for, and were promised.
Govt needs to quit giving money to illegals, wasting tax dollars, and reform the tax and spending systems. It won't happen because all they do is spend money to gain votes.
I think the people really need to revolt. It's time to have congress go back to it's origin, volunteers who gave up their main work to serve, then go back to it a few years later. No pay, no benefits, nothing, just a desire to serve. No lobbyists, no special interest groups. Everyone equal.
Govt needs to quit giving money to illegals, wasting tax dollars, and reform the tax and spending systems. It won't happen because all they do is spend money to gain votes.
I think the people really need to revolt. It's time to have congress go back to it's origin, volunteers who gave up their main work to serve, then go back to it a few years later. No pay, no benefits, nothing, just a desire to serve. No lobbyists, no special interest groups. Everyone equal.
Posted on 3/25/18 at 8:12 am to GenesChin
quote:
LTC standalone products are being gutted or have unreal rising premiums to pay out the benefits.
Posted on 3/25/18 at 12:09 pm to dcbl
quote:
what should determine one's eligibility for benefits, or rather, should good lifestyle choices be more of a factor in determining who gets benis than fiscal contributions throughout a working career?
The problem with that is that people healthy enough to live long lives cost the health care system much more on average than an obese diabetic or even a smoker. Dying young is the easiest way to extend a limited resource.
Obese people have health care costs 13.6% higher than smokers, who have the lowest total lifetime costs. Healthy people have lifetime healthcare costs almost 28% higher than smokers.
If we want to get the government involved in regulating behavior and reducing total healthcare costs, they should probably subsidize smoking.
This post was edited on 3/25/18 at 12:11 pm
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