In the beginning of your article you refer to physical therapy in nursing homes paid by social security. Health insurance or Medicare/Medicare Supplements for those over 65 pay for skilled medical care.
In your article you only refer to nursing homes whereas todays comprehensive Long-Term Care policies cover custodial care in nursing homes, assisted living, adult day care and most importantly the place of choice, the home.
Also this care is not just for the aged but a high percentage of adults under 65 need custodial care due to illness or an accident. Long-Term Care insurance should be considered along with health insurance and the younger one is the least expensive it is over their lifetime.
You frighten people from considering such insurance quoting premiums of $700 per month. As a specialist in this area, such premiums would only apply to those who purchase Long Term Care when in their late 70's to 80's. Yet even at this age, if insurable, $700 per month is a lot less than $7,000 per month, the cost of a nursing home.
Advise your readers to go with the leaders, Met Life, John Hancock, Prudential, Mutual of Omaha who have the highest ratings and in business for over 100 plus years. Also advise that they work with a Long Term Care professional who can compare companies and come up with the best AFFORDABLE plan.
Maria Patsis, Richmond, Virginia
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In the beginning of your article you refer to physical therapy in nursing homes paid by social security. Health insurance or Medicare/Medicare Supplements for those over 65 pay for skilled medical care.
In your article you only refer to nursing homes whereas todays comprehensive Long-Term Care policies cover custodial care in nursing homes, assisted living, adult day care and most importantly the place of choice, the home.
Also this care is not just for the aged but a high percentage of adults under 65 need custodial care due to illness or an accident. Long-Term Care insurance should be considered along with health insurance and the younger one is the least expensive it is over their lifetime.
You frighten people from considering such insurance quoting premiums of $700 per month. As a specialist in this area, such premiums would only apply to those who purchase Long Term Care when in their late 70's to 80's. Yet even at this age, if insurable, $700 per month is a lot less than $7,000 per month, the cost of a nursing home.
Advise your readers to go with the leaders, Met Life, John Hancock, Prudential, Mutual of Omaha who have the highest ratings and in business for over 100 plus years. Also advise that they work with a Long Term Care professional who can compare companies and come up with the best AFFORDABLE plan.
October 26, 2010 - 11:42amMaria Patsis, Richmond, Virginia
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