Comments on: Elder Care Costs – A Total Black Hole? http://queercents.com/2008/05/22/elder-care-costs-a-total-black-hole/ We're here, We're queer, and We're not going Shopping without Coupons Thu, 18 Mar 2010 03:42:20 -0700 http://wordpress.org/?v=2.9.1 hourly 1 By: Queercents » Blog Archive » Four Tough Questions about Aging Parents… And Step Parents http://queercents.com/2008/05/22/elder-care-costs-a-total-black-hole/comment-page-1/#comment-162108 Queercents » Blog Archive » Four Tough Questions about Aging Parents… And Step Parents Thu, 25 Sep 2008 12:16:04 +0000 http://www.queercents.com/2008/05/22/elder-care-costs-a-total-black-hole/#comment-162108 [...] my own agenda for retirement so I need to start thinking about what care I’m realistically able to provide. Unlike my parents I don’t have a next generation to look after me which puts me even more on [...]<p class="top-comments">Current score: <span class="top-comments-karma" id="karma-162108">0</span> <small>(to vote for this comment, please visit the site)</small></p> [...] my own agenda for retirement so I need to start thinking about what care I’m realistically able to provide. Unlike my parents I don’t have a next generation to look after me which puts me even more on [...]

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]]> By: Bill http://queercents.com/2008/05/22/elder-care-costs-a-total-black-hole/comment-page-1/#comment-132855 Bill Sun, 01 Jun 2008 00:07:25 +0000 http://www.queercents.com/2008/05/22/elder-care-costs-a-total-black-hole/#comment-132855 Costs are huge. My mom got sick in her 40s, and as a stay at home mom didn't have enough work credits to qualify for Social Security disability. A big benefit of SSD is qualifying for Medicare 24 months after disability is approved. Mom wandered, and couldn't stay at home. We tried a secured assisted living, but she deteriorated to the point that she needed nursing home care within a year of assisted living placement. Nursing care was bad, especially since with her dementia mom was unable to communicate her needs to the staff (she usually was the last to get fed, changed) The solution I found was to move mom to a private geriatric clinic in Mexico. Care was supervised by a group of U.S. expats, one of whom had her mom in same facility. That move put my mom in a facility with double the caregiver/resident ratio of any facility I found here locally, at half the price. Mom or we paid everything 100% out of pocket, no public or private insurance. I don't believe LTC insurance would have paid for the above.<p class="top-comments">Current score: <span class="top-comments-karma" id="karma-132855">0</span> <small>(to vote for this comment, please visit the site)</small></p> Costs are huge.

My mom got sick in her 40s, and as a stay at home mom didn’t have enough work credits to qualify for Social Security disability.

A big benefit of SSD is qualifying for Medicare 24 months after disability is approved.

Mom wandered, and couldn’t stay at home.

We tried a secured assisted living, but she deteriorated to the point that she needed nursing home care within a year of assisted living placement.

Nursing care was bad, especially since with her dementia mom was unable to communicate her needs to the staff (she usually was the last to get fed, changed)

The solution I found was to move mom to a private geriatric clinic in Mexico.

Care was supervised by a group of U.S. expats, one of whom had her mom in same facility.

That move put my mom in a facility with double the caregiver/resident ratio of any facility I found here locally, at half the price.

Mom or we paid everything 100% out of pocket, no public or private insurance.

I don’t believe LTC insurance would have paid for the above.

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]]> By: linklings, an end to freedom on the horizon edition http://queercents.com/2008/05/22/elder-care-costs-a-total-black-hole/comment-page-1/#comment-130307 linklings, an end to freedom on the horizon edition Sat, 24 May 2008 10:01:56 +0000 http://www.queercents.com/2008/05/22/elder-care-costs-a-total-black-hole/#comment-130307 [...] Elder Care Costs - A Total Black Hole? [...]<p class="top-comments">Current score: <span class="top-comments-karma" id="karma-130307">0</span> <small>(to vote for this comment, please visit the site)</small></p> [...] Elder Care Costs – A Total Black Hole? [...]

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]]> By: Paula G http://queercents.com/2008/05/22/elder-care-costs-a-total-black-hole/comment-page-1/#comment-129997 Paula G Fri, 23 May 2008 13:23:53 +0000 http://www.queercents.com/2008/05/22/elder-care-costs-a-total-black-hole/#comment-129997 You make a good point DivaJean... I'm not 100% sure of the context of their story...but perhaps it has more to do with his ability to cover spouse? Or with LTC insurance, I don't know if you can cover spouse's parents or not....<p class="top-comments">Current score: <span class="top-comments-karma" id="karma-129997">0</span> <small>(to vote for this comment, please visit the site)</small></p> You make a good point DivaJean… I’m not 100% sure of the context of their story…but perhaps it has more to do with his ability to cover spouse? Or with LTC insurance, I don’t know if you can cover spouse’s parents or not….

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]]> By: DivaJean http://queercents.com/2008/05/22/elder-care-costs-a-total-black-hole/comment-page-1/#comment-129707 DivaJean Thu, 22 May 2008 18:14:49 +0000 http://www.queercents.com/2008/05/22/elder-care-costs-a-total-black-hole/#comment-129707 I have one big nitpick of the article. A quote indicated "It took 1/3 of my salary to pay medical bills and nursing care for Barry’s parents. That should have been covered under my employer’s health insurance - except that we weren’t recognized." Health insurance covers you, your spouse and your kids. Your spouse's parents wouldn't be covered regardless of hetero or homo status.<p class="top-comments">Current score: <span class="top-comments-karma" id="karma-129707">0</span> <small>(to vote for this comment, please visit the site)</small></p> I have one big nitpick of the article. A quote indicated “It took 1/3 of my salary to pay medical bills and nursing care for Barry’s parents. That should have been covered under my employer’s health insurance – except that we weren’t recognized.” Health insurance covers you, your spouse and your kids. Your spouse’s parents wouldn’t be covered regardless of hetero or homo status.

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