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Screw Long term Insurance period . My father paid his whole life into that system. I oversaw his and my mothers final four years . 1st thing I found out was how much the care agencys were screwing us. I signed up for the care plan with the so called care giving agency I knew the bottom line that was responsible for the debt and the care agency would work with the insurance to get reimbursements .
first off the care givers that are provided by the agency are great but they are not allowed by the agency to go outside their box for any kind of situation.
When I quickly figured out that the out of pocket was almost double what I could pay cash for care givers I ditched the insurance and the care agency and started paying cash for care givers. what a relief and my life became so nice. The care givers became part of our family. they could really think outside the box and really provide quality life. In turn I impowered these wonderful people and no longer were they thought of as slaves a win win
For me it was super easy to balance the budget.
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