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Updated: 2:25 PM May 9, 2008
Protecting Your Life Savings
The bottom line... 78 million people will soon be turning 65 and Uncle Sam won't be paying for everyone's health needs. Posted: 10:00 PM May 8, 2008Reporter: Betty Sexton Email Address: BSexton@kktv11news.com |
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To answer Davids' question:My mom, Lynn does not qualify for medicaid, which is for people with lower incomes. She does have Medicare..( for older people) but that does not pay for long term nursing homes.I am blessed now that I am spiritually, finacially, physically able to care for her in my own home for now!But as the disease progresses.. I am praying my brothers will pitch in for a home if need be..down the road. I did try and contact the long term care policy to have my moms LTC reinstated & they gave me the I am sorry it's too late.My mom worked hard for 20 years and has a good retirement and ss pension ..just not enough for a nursing home @ 5-6,000 a month. God willing I will get the help I need when that day comes. I think this is a very good lesson for all! Be prepared for the unexpected and know what your parents are up to.Talk about the what ifs'. God Bless all those caregivers out there taking care of their parents..there is a place in heaven for you all!
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Most LTCi policies have an "unintentional lapse" notification. The policy holder identifies a person who should be notified if ever they miss a payment. This feature is designed so that person with dementia, multiple moves or hospitalizations will have a safety net for not losing their policy. Did her carrier attempt to contact the person identified in her policy? You may want to check with the carrier as to who was the designee.
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Is that Medicaid or Medicare that Lynn did not qualify for? I thought that Medicaid is generally for younger people with lower incomes while Medicare is for retirees and disabled people. I know they are two very different programs...
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