My mother's hospice nurse called Pneumonia god's angel.
I can feel your pain having been close to 4 family members with long term illnesses that were sick and suffered for years.
3 of those were under 60 years old.
We can get sick and debilitated before we get old.
Currently my Mother in law (Mil) 79 years old is starting here 9th year with Alzheimers.
She lived in her own home with a crappy night nurse for 2 years.
Crappy as in Mil would turn the thermostat to max and overheat the house the nurse would just sleep with her bedroom window open.
After 2 years of long distance care requiring several phone calls a day, she finally agreed to move from the midwest to our location into a skilled nursing facility.
Had 2 mostly good years in the nursing facility.
Then 5 years ago moved into the memory care unit for advanced Alzheimers care.
We were lucky as Mil listened when I suggested to her back in the 90s about looking into long term health care insurance.
She got the top John Hancock policy that lasts indefinitely.
Mr Hancock has paid out $80k+ a year for the last 7 years.
I hear now days they only write these policies for 2 or 3 years.
So she is at the best facility in town getting great care and is not a financial burden on her family.
Long term health care insurance is something to be considered.
It saves your assets and provides good care and less stress on families that would normally have to shoulder the responsibility of providing the care first hand.
My wife and I have a 10 year long term health care policy we got 20 years ago.
I think the annual premium is $4k a year and that stops once the policy is activated.
My only request would be to be placed in a home where the nurses are all 20 something Costa Rican girls.