What Long-Term Care Insurance Means To Me: Part 1

These are my parents. This photo was taken in May 2017 exactly 2 weeks before my father almost died of septic shock. Despite their age and physical limitations, my parents had traveled alone from California to Wisconsin for a family wedding. At this point, my father had already survived numerous health crises. Two weeks after this family wedding, my father had his gallbladder removed. Two days later his fever spiked and his blood pressure fell. We all thought we’d lose him. To better understand this story, I need to go back a few years.

My Long-Term Care Story: Part 2

It's been 19 months since my last post about the long-term care journey with my mother. There really wasn't too much more to say. After my father's passing six days after they moved into Brookdale Senior Living, my mother settled into her new life at the assisted...

My Long-Term Care Story: Part 3

To continue My Story about long-term care insurance and what it means to me, I need to explain how COVID changed everything. Specifically, how the “alternate plan of care” in the long-term care insurance policy made all the difference for us. In mid-August 2020...

My Long-Term Care Story: Part 4

My mother moved into our home on September 15, 2020, and life settled into our new normal. Her long-term care insurance policy allowed us to make the necessary home modifications to keep her safe. The home modifications were part of the “alternate plan of care” that...

My Long-Term Care Story: Part 5

No one said that caregiving was easy. Yet, after talking with hundreds of clients, most everyone assumes and expects to receive care in their home. And I absolutely agree that remaining at home is ideal; it’s ideal for the person needing care and for their family, to...