Apr 28, 2021
This week, Jonathan in Kansas asked Diane to tell him how much LTC insurance costs so he would know how much he wants. Insurance is different from most other products in that we need to decide what we want before we determine the cost. It's not a cost per unit like a grocery product. Diane shares decisions that must...
Apr 14, 2021
This week, Gayle in California is asking how long people typically live in a nursing home. Diane shares that how care is funded often determines this answer. Whoever is paying the bill decides where we live. When that person is us or our own insurance, we can decide. When it's the state paying, we lose control and...
Apr 7, 2021
Jane wants to know if Medicare and other health insurance payments for skilled care services will count toward meeting her LTC insurance elimination period (EP). Listen as Diane describes the EP, how it works and who can pay it. Some EPs are set by the insurer, and some are selected when we apply...