[retiredguy123]

Originally Posted by justjim

Maybe not the total answer but home health care is much cheaper than an assisted living/nursing facility which averages about $7,000 a month and increasing yearly. It’s a huge community issue that is not futuristic but a today problem that cries for answers. To start we have to train more health care personnel because without them you can’t get this ship to sail at all.

It depends. In some cases, the cost to maintain a house is added to the home health care, making it unaffordable. Selling the house and moving into assisted living is often cheaper. Also, if you need 24 hour care, I think a facility makes more sense.

[Chi-Town]

Long term care insurance should be part of a financial plan.

[rustyp]

Approx 27% of people will reside in a nursing home.

Median length of stay in a nursing home is 5 months prior to death.

The cost of a nursing home according to posters here is approx $7000 per month. Do not forget that includes the items you would have spent money on if at home - like food, entertainment, etc. Worse case here in TV is to sell your house and move into the nursing facility. I guess the median price of a house in TV is $400K. That is good for around 4-5 years in a home.

The fear is being wiped out - so says the people trying to sell you insurance. So on average you are protecting <$35K above normal living expenses. The odds are overwhelmingly in the favor of the fear mongers. It's whatever makes you comfortable.

[dewilson58]

Originally Posted by Chi-Town

Long term care insurance should be part of a financial plan.

Rarely needed.

Long-term in a nursing home is usually jus months.

It's a gamble if you have it, it's a gamble if you don't.

[retiredguy123]

More than 80 percent of the people living in nursing homes are on Medicaid. So, if you have LTC insurance, and you move into a nursing home, you will just be subsidizing the Government. Most nursing homes I have seen provide terrible care.

[charlieo1126@gmail.com]

Originally Posted by blueash

IMO a compassionate society would include in its list of options, that of patient chosen painless death. Like the woman above who had the option by turning off her pacemaker, we all should have the option to die on our own terms, not requiring hanging ourselves or shooting ourselves.

Nitrogen inhalation would be one good choice. A narcotic overdose would be another. We do it for our pets but deny it to ourselves. I have never had any person give me a reasonable explanation as to why this humane option is not provided to us.

11 states have now some form of medical aid in dying , there’s hope for many of a death with dignity. I had a very risky life around the world , one of the things I learned was how to leave the field when things go badly , I plan on leaving the field if things do go badly for me .