Terrific storms buffeted our area two evenings this week. Being afraid of storms since I was a child, I took Johnny and went to bed early and hid under the covers. David followed later with Clare, she being very afraid of the loud noise from thunder, having stuck to his side while he finished his “kitchen work.”
This week, having decided the doctors will look until they find something, I cancelled several medical appointments, feeling virtuous for saving Medicare a few dollars. No, I’m not being “penny-wise and pound foolish” as my Mom would have said. I’m just tired of this constant merry-go-round of medical appointments. At this point, no one knows my body better than I do. I’m convinced a good deal of this checking and double-checking is more KYA than anything else.
Monday, Daughter Connie and two granddaughters, Joy and Hannah, visited and caught me up on the family happenings. Connie said her MIL Francis will be 102 in September. MIL has expressed some grievances with the assisted living facility where she is housed with other inmates.
Francis is healthy as a horse and is driven to distraction by “senile” roommates. She won’t eat in the dining hall so the staff brings her food on a tray. Francis likes to read mysteries, and rereads many of them. When I was still reading paperback mysteries, I passed them on to her, but no more. These days, books are ebooks and/or audiobooks.
All this got me to thinking about my long-term care insurance (LTC) policies. Until recently, I had two policies, one with David’s insurer, the other a policy my former employer offered. I opted off the former policy, taking a “fixed” amount for any long-term care I might require in the future. The premium increase on my own policy doubled this year, and the savings I have from opting out of one will cover the premium for the latter.
Why bother with this? Because I think its wrong to expect someone else to care for me in my dotage…not children, not the government. I’ve been responsible for myself my whole life and given I can afford LTC insurance at this time, it seems I should take care of it.
Don’t get me wrong, I am not wealthy, only what used to be called the thrifty lower Middle class.
I may need Medicaid some day, but Medicaid is for the truly needy, someone who has exhausted all their other resources or never had any to begin with. One reason Medicaid going broke is because some people who have other choices, are scamming the system. I know this for a fact, having personally witnessed a few instances of this in my lifetime.
If you are truly needy, then you should use this program with no qualms, just as my former in-laws who lived into their ninties did. They spent their entire lives eking out a living in hosiery mills in NC. They had no savings, however they managed to pay for their house, which was sold to pay for the last survivor’s long-term care at the end of his life.