Prudence Runyan
Forum Replies Created
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My husband and I worked with a financial planner years before retiring. We had always thought long term care insurance was unaffordable. But things have changed over the years. Now there are products with HUGE up front premiums, but if you don’t use up the equivalent in LTC benefit the balance is life insurance that goes to your heirs. Based on the stats about needing LTC we reluctantly each bought policies when my husband retired, two years before my retirement. Thank goodness we did. I get $5,600 per month for a home health aide. I’m not using all of that yet. I have no family history of ALS. It’s the last thing I imagined getting. I am grateful we were able to get the policy.
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Sorry you are having this experience. Frankly, I would change doctors and tell this one why.
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Can you expand on the 2 functions? What do they do?