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#89324 - 10/08/06 10:00 PM Re: cost of care/retirement communities
Jane_Carroll member Registered: 07/06/06 Posts: 1521 Loc: Alabama	Dotsie, I do Long Term Care Insurance assessments for an underwriting company that deals with several companies. Most of the people that I do the assessments on are in their 60's or older. But I think that the younger ones may not have to have an in home assessment. The forms usually include a health history including all meds, etc. and doctor's names. The second portion is a cognitive screen. I never know who passes or fails, I just do the assessments but I do feel like the younger you are and the better health you are in when you apply with a chronic illness, the better your chances of being accepted. _________________________ Jane Carroll
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#89325 - 10/09/06 01:50 PM Re: cost of care/retirement communities [Re: Jane_Carroll]
jawjaw Da Queen Registered: 07/02/03 Posts: 12025 Loc: Alabama	My Mom has the long-term care insurance. She applied, along with Daddy, when he was first showing some signs of dementia. Of course he was turned down, but Mother was accepted. She was in her late 60's when she got it and HAD survived breast cancer. I'll asked her for more details next time I talk with her. JJ _________________________ Queen JJ www.queenjawjaw.com All Things Royal - 2010 and Beyond Humorist for the NABBW
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#89326 - 10/09/06 02:56 PM Re: cost of care/retirement communities [Re: jawjaw]
Dotsie Founder Registered: 07/09/08 Posts: 23647 Loc: Maryland	Jane, do many diabetics get long term health care insurance? _________________________ Founder Emeritus of Boomer Women Speak and the National Association of Baby Boomer Women. www.nabbw.com www.boomerwomenspeak.com
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#89327 - 10/09/06 05:38 PM Re: cost of care/retirement communities
Jane_Carroll member Registered: 07/06/06 Posts: 1521 Loc: Alabama	Dotsie, I really don't know...because I don't see the final decisions. I know my mom has been diabetic for many years and has long term care insurance. She was probably on oral meds then. Sorry, I can't be more helpful. My advice would be to try and see. _________________________ Jane Carroll
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#89328 - 10/10/06 03:28 AM Re: cost of care/retirement communities [Re: Jane_Carroll]
dejavu journeyman Registered: 08/16/06 Posts: 319	Dotsie, both my husband and I are diabetic (not insulin-dependent) and we both have long term health care insurance. We were also both over 50 when we applied for it. _________________________ My website http://www.carolynagosta.com
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#89329 - 10/10/06 10:19 PM Re: cost of care/retirement communities [Re: dejavu]
Dotsie Founder Registered: 07/09/08 Posts: 23647 Loc: Maryland	Ah, thanks for this. Do you mind telling me what insurance company. I think we'll start with them. My husband is insulin dependent. Does as many as four shots a day. So I have my doubts. He also happens to be one of the healthiest people I know. He takes excellent care of himself. He's been a diabetic for 30 years, but every physical, the doctor tells him that if he didn't know he was a diabetic, he would never figure it out from his physical. So far, so good! _________________________ Founder Emeritus of Boomer Women Speak and the National Association of Baby Boomer Women. www.nabbw.com www.boomerwomenspeak.com
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#89330 - 10/11/06 08:11 AM Re: cost of care/retirement communities
dejavu journeyman Registered: 08/16/06 Posts: 319	MetLife. Another one you might try is Aflac. The payment system is different but sometimes Aflac is easier to get for people with pre-existing conditions. _________________________ My website http://www.carolynagosta.com
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#89331 - 10/12/06 03:19 PM Re: cost of care/retirement communities [Re: dejavu]
Dotsie Founder Registered: 07/09/08 Posts: 23647 Loc: Maryland	Thanks so much. _________________________ Founder Emeritus of Boomer Women Speak and the National Association of Baby Boomer Women. www.nabbw.com www.boomerwomenspeak.com
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#89332 - 10/15/06 11:43 PM Re: cost of care/retirement communities [Re: chatty lady]
KathleenGageSpeaker Member Registered: 09/20/05 Posts: 219 Loc: Pleasant Hill, OR	I have made an open invitation to both my parents and my mother in law that our home is open to them and they are welcome to come stay if the need arises. Who would have thought we would even have this as a consideration as we were in our formative years? A good friend has had the experience of being the primary caretaker of her husband after a very serious accident. Without longterm care insurance, there are not many other options. The thought of securing this type of insurance has crossed my mind more than once. As with anything, we hope we will never need it, but to have it if we do is a true blessing. Kathleen Gage _________________________ Realize Your Worthiness for Success FREE ebook - http://www.streetsmartsmarketing.com/worthiness_ebook.htm
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#89333 - 10/16/06 08:30 PM Re: cost of care/retirement communities [Re: dejavu]
flossie Member Registered: 03/02/06 Posts: 166 Loc: New Zealand	Quote: MetLife. Another one you might try is Aflac. The payment system is different but sometimes Aflac is easier to get for people with pre-existing conditions. This topic is very interesting to me as I guess in another few years in this country we could be in the same position. More retirement places are going to be needed to cater for us Boomers. MetLife, have retirement places here in NZ, my Dad lives in one. Not that he needs any care, he has is own apartment there. But at the moment costs here are much much cheaper than what you all have to pay! But that will change!
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