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Thanks for the link. This line stood out for me and made me wonder how well the reporter grasps the situation:
"The sandwich generation is also saving money for their children to take care of them. According to the study, 42% say they've put aside $43,136.67 on average."
In some zip codes this sum would cover maybe two months of NH care.
I wonder, too, about the "solution" of long term health insurance. Every caregiving account I read that mentions LTC insurance describes situations where that insurance turns out to be nearly useless.
Back in the early days LTC insurance policies were better, I think. But then insurance companies confronted large claims eating into profits, and the policies were significantly weakened. And the red-tape is apparently extraordinary (surely by design) and often too much for the caregivers and certainly too much for those in need of care.
It seems there really isn't *any* solution in place right now (in the U.S.) for the challenge of slow/multi-year/multi-decade decline.
I'm looking forward to digging into the 1000+ comments. The specificity of these comments (versus journalistic generalities) is often really illuminating, really clarifying.
Mom's much touted "LTC" insurance paid a whopping $25 a day towards her long term care shen she went into a rehab facility.
Maybe when she and dad bought the policy in the early 70's that actually would have been helpful. We were absolutely shocked at how poor the coverage was!
Mom had almost no savings, but her short stint in rehab made us aware that LT care would have been unreachable on her small SS income.
My DH and I are covered so that BOTH of us could go into Long term care in the best of the best facilities, and not have our monthly income affected negatively. We've invested well over $1M and are now drawing down on the principal. That isn't a lot, we've come to realize and are making sure our kids are making wise choices and saving for THEIR needs.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
"The sandwich generation is also saving money for their children to take care of them. According to the study, 42% say they've put aside $43,136.67 on average."
In some zip codes this sum would cover maybe two months of NH care.
I wonder, too, about the "solution" of long term health insurance. Every caregiving account I read that mentions LTC insurance describes situations where that insurance turns out to be nearly useless.
Back in the early days LTC insurance policies were better, I think. But then insurance companies confronted large claims eating into profits, and the policies were significantly weakened. And the red-tape is apparently extraordinary (surely by design) and often too much for the caregivers and certainly too much for those in need of care.
It seems there really isn't *any* solution in place right now (in the U.S.) for the challenge of slow/multi-year/multi-decade decline.
I'm looking forward to digging into the 1000+ comments. The specificity of these comments (versus journalistic generalities) is often really illuminating, really clarifying.
Thanks again, Southernwaver!
Maybe when she and dad bought the policy in the early 70's that actually would have been helpful. We were absolutely shocked at how poor the coverage was!
Mom had almost no savings, but her short stint in rehab made us aware that LT care would have been unreachable on her small SS income.
My DH and I are covered so that BOTH of us could go into Long term care in the best of the best facilities, and not have our monthly income affected negatively. We've invested well over $1M and are now drawing down on the principal. That isn't a lot, we've come to realize and are making sure our kids are making wise choices and saving for THEIR needs.