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Registered: ‎07-26-2010
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Self directed long term care

I have not done anything about LTC My wife and I are 56 .Her mother age 89  has LTC and just went in to care home physically she is fine. Mentally not  at  all . She has vision problems and started dementia   Wife parents paid well over 100 k  in premiums for a 3 year benefit .. It is about a trade off right now.They had it for 32 years.  Insurance co has said as long as it is medically necessary they will pay after 100 days.

 I would like to decide when it is my wifes or my time if  we need lt .Anyone have self directed LTC Thanks