[JavaBrewer]

My Mom is currently in a skilled nursing home attempting to recover from a broken hip and leg. She is a lifelong functional alcoholic now paying the price. The facility she is in is decidedly mediocre, they wheel the residents in wheelchairs in front of the nursing desk during the day so they can be watched as a collective for hours at at time. Uncomfortable in the wheel chair...sucks to be you. Out of pocket this place would run $15K/month to start, to survive in misery. Medicare and her supplemental insurance is going to call it at the 100 night mark, we will pull her sooner than that. She will live with us and we will find a way to make it work without losing our mind. Somehow.

I have no faith in insurance. This industry is rife with corruption and are really geared to drain the lifelong savings and estates of everyone who passes through the doorway. No dignity, no compassion, just greed. I am almost 58 and am certain that any policy I sign up for today to provide long term care won't even pay the meal plan of a nursing home 25-30 years from now.