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Happy Holidays – How is Grandma?

Dec 19, 2018

While your family was together at Thanksgiving, was there evidence that older family members are not taking care of themselves as well as they could be or used to? Perhaps your loved one is not driving as much as before, or perhaps should not be driving at all. Are bills piling up unpaid?  Is hygiene…

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What’s it Really Like Paying for Long-Term Care

Dec 17, 2018

As written by Michelle Singletary and published in the Washington Post on November 26, 2018 One of my favorite Spock quotes from the Star Trek television series is, “Live long and prosper.” Who doesn’t want a long life, right? But what if the longevity means spending down your money for long-term care? And that’s if you’ve…

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Who is Going to Pay for Your Funeral?

Dec 1, 2018

Asking who is going to pay for your funeral might seem like a silly question–you probably have money in savings, a vehicle, a house, even life insurance.  There should be plenty of money to pay this bill, right? The problem is, you are gone, so now who has access to your assets? Your Power of…

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Observations from a Recent Hospital Stay

Nov 12, 2018

Recently, I was an inpatient in a hospital after having surgery.  While there, I visited with a number of nurses and CNAs (certified nursing assistants) while they were caring for me.   Nearly every one of the CNAs had started their careers in a long-term care (LTC) facility. The reasons these workers moved on to a…

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Beware insurance agents offering new “can’t lose” long term care insurance

Oct 8, 2018

Insurance companies are wooing insurance agents with something they are already familiar with – life insurance – with what looks like a neat extra benefit: it will also pay for long term care (LTC).  It’s a two for one deal–it pays for LTC, and if that is not needed, your heirs get the life insurance…

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Long-Term Care: Tips for Planning and Paying

Aug 30, 2018

It’s not a pleasant scenario: your health has deteriorated to the point where your spouse can no longer take care of you on their own, and you need to consider long-term care. Or you had a fall that broke your hip, and surgery is out of the question. Or your memory is failing. Our bodies…

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Do You Want to Receive Home Care, but can’t afford it?

Jul 11, 2018

As you age, and fear that the time may come when you need help with day to day activities such as getting up, dressed, and preparing breakfast, do you worry how you might pay for such care? You’ve heard it is expensive.  You cannot afford this care or are not healthy enough to purchase Long-Term…

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I Need Advice and Resources

Jul 6, 2018

A family member or loved one needs long term care and needs advice.  Where do I go to find this?  What will this cost?  We don’t have enough money to pay for this kind of care, what can we do? Babies do not come with instruction manuals and neither does long term care.  Just like…

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Two Million Dollars in 30 years for $3500 per year

Jul 4, 2018

If you could start a plan that gives you 2 million dollars for you and 2 million dollars for your spouse’s Long Term Care that costs $3500/year, would you be interested? Fifteen years ago a nursing home was $4500/month.  Today it is $10,000 a month. In 30 years, when todays 55 year olds are 85,…

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The Long Term Care Guy