11:52 am, May 26, 2015

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  • 5

  • Long Term Care
    First, I believe in long term care policies and am in one. Second, this applies only to me. Others have different ideas that are just as valid as mine based on their circumstances. Third, I would never buy it from the government. When I first bought it for myself and my wife, the government price for the same policy was between $500-1000 higher than what I got in private industry. This was before the 25% increase in the government (actually a contractor) price. My company is a top rated company and not a fly by nighter. Fourth, $12000 per month for assisted living? Is that a normal price? Can an expert answer that one. My policy, with a 5% per year escalator clause, does not even come close.I bought a reasonable policy when I first took it out.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • $12K/mo??
    is ridiculous for care. Calif is $3K - $4K per month is a nice place. My LTC policy just sent a notice for an increase in monthly payments if I want to keep the inflation in effect. Small print says if I refuse 3 of these, the policy is cancelled. Looks like they are not doing me any favors. If I refuse the increases 3 times, then when/if I need the policy, it is no longer in effect.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • In NYC, $12K/mo for nursing home about right--for assisted living, seems a bit high
    It all depends where you live and it also depends if you are talking about nursing home care or assisted living care. In the New York City/Long Island areas of New York, a run of the mill Nursing Home goes for $140,000-$160,000 per year. However for top notch Assisted Living, that number is in the $65,000-$75,000 range per year. However, in North Carolina, a run of the mill Nursing home goes for $60,000-$80,000. So it all depends where your are.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Medicade?!
    Mike, it's Medicaid.
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • Poor Editing
    Susan K. woulda caught that!
    { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }
  • { "Agree":"1","Funny":"1","Insightful":"1","Disagree":"-1","Offensive":"-1","Troll":"-1" }