We’re in the process of getting the long term health care for both of us. As we get older the price goes up considerably.
It’s with New York Life, they’re a pretty stable company.
In case something happens to one of us, it won’t be so much of a burden to the other. We won’t have to go into debt to have good help or a good place to recover from whatever it might be that knocks us out.
When we first started talking about it, I was all for it. Brian was reluctant. It was on one of our walks when I told him I didn’t think he could take care of me, were something bad to happen. It upset him that I felt like that, but I was being practical. His first response was “this is because of the litterboxes; I will do what has to be done”. No, it wasn’t about the litterboxes (when I took the fall in the backyard and had sciatica so bad my right leg was numb all the way to the toes and I couldn’t walk/sit/lay down without pain, I had to crawl on the floor dragging the bucket to clean the litterboxes because he just wasn’t doing it). It’s about the fact that if I’m bedridden with diapers, I don’t want to worry about him coming in and changing me. I don’t want to be in a situation where he gets busy doing something else and I’m laying there in dirty didies. It’s not a pleasant thing to think about, but the fact is, it could happen. To either one of us. Long term health insurance now will provide the necessary help.
So, we had to fill out some forms a couple of weeks ago. They did a followup phone call with Brian, but I had a visit from a real live person. I think it was because I’m fat. I really do. She asked to see my driver’s license because of the amount of fraud they get. Someone healthy signs up in the name of someone unhealthy. They get the insurance and voila! The unhealthy person is insured and can be whisked away to a place that charges over $200.00 a day for care.
And she wanted to see that we can take care of ourselves (cooking, cleaning, etc). I had dinner cooking in the crockpot, I’d run the Roomba and polished the table where we were sitting. I’d gone over the glass by the fish tank so the house “appeared” tidy when she came in. She was amazed that we had so many cats, she said there was no smell at all. With all the doors and windows open and with beef and onions in the crockpot, I think the cat smell was pretty much under control. *lol*
We should know next week if we were accepted. I can’t imagine why we wouldn’t be.
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