My Mom has long term care insurance that will pay a family member to live with her. Anyone have experience with this?

This doesn;t sound very safe to me.. the point being she NEEDS a caregiver.. Maybe this is the way they get out of paying.. as you can't leave her. I would want to know WHO is going to stay with her while you move out, and how long this is for. If it;s only a night and they are staying.. maybe you get a hotel room for the night.. but I would not leave her alone! (As I am sure you would not)

How long does the assessment take?

I agree and the process can take 2or 3 months and your correct this is where insurance get you. She is 89 and has been paying weekly since she was 74. The benefits are 135k wish if not used our a loss.

2 or 3 months?? What the heck do they expect her to do alone for that amount of time? Or do they expect you to hire an outside CG?

Lou592 the assessment is not the same as the elimination period. Read the policy carefully. Often the insurance company wants proof that she is paying for a home health provider agency for 20 or more days before they pick up the tab.

It's a rock and a hard place not sure what to do but once I anticiate the claim I would have to leave and come back in the day till evening to care for her. She cant drive or prepare her meals or and has lost her short term memory. I lost a sister a few months ago to cancer it was sudden she was 59 after I packed up and moved from another state to care for my mom and I am 51 needless to say I dont have much of a life now besides taking care of her it's a full time job.

Lou592, maybe it is time for your Mom to move into a retirement village setting since she is unable to prepare her meals and has either dementia or Alzheimer's. Otherwise, you could be helping her at home for the next 10-15 years depending on her regular health. And that caregiving could turn into 168 per week. Wouldn't it be better for Mom to move now while she can still make new friends at the retirement village, and enjoy the activities plus central dining with her new found friends?

Sorry to read about your sister passing on... was she a caregiver for your Mom? If yes, a word of warning, 1 out of every 3 caregiver dies leaving behind their love one.

Lou592, maybe it is time for your Mom to move into a retirement village setting since she is unable to prepare her meals and has either dementia or Alzheimer's. Otherwise, you could be helping her at home for the next 10-15 years depending on her regular health. And that caregiving could turn into 168 hours per week. Wouldn't it be better for Mom to move now while she can still make new friends at the retirement village, and enjoy the activities plus central dining with her new found friends?

Sorry to read about your sister passing on... was she a caregiver for your Mom? If yes, a word of warning, 1 out of every 3 caregiver dies leaving behind their love one.

My mom has long term care insurance and unless i as her daughter is insured and bonded and qualified to do home care through a licensed agency after completing a certification, i wouldn't be able to get money. My mom's insurance doesnt just pay me because I'm her daughter. Mom wanted to see if it would pay me. I was glad they didnt, so i would have to get a job out of the house and leave the caregiving to the agencies while i was working outside the house.

Yes my sister took early retirement to care for her she died of stage 4 lung cancer after she went to a Dr. to be given antibiotics with no improvement she went to the ER and
died 3 weeks later.

Freqflyer unfortunatley my Mom is not the social butterfly I wish she was she has no hobbies or outside interest aside from her childeren, and I am sorry to say she is not the most pleasant person to be around and would fight us tooth and nail if we attempted to move her to assisted living. When my brothers or sisters do visit they are ready to leave as soon as they get here.

Lou, my mom wasn't a social butterfly either and ended up gaining an interest in things she never thought she'd enjoy after she moved into a facility. Has she been see by a psychiatrist for meds for her depression?

Babalou, yes she is on a antidepressant, which seems to have helped another thing that has helped unexpectedly is my year old golden retriever who she adores I don't belive she would smile if it werent for my dog. I made this move anticpating to be compensated hence the long term care insurance. She has 4 children me being the youngest the other 3 have there lives and jobs . I explained to them prior to me moving here I would need there help and support and time off which has been little to none. My sister who is 5 miles away pops in and out she does my moms finances because I did not want to take that on and I glad I didnt. They were also suppose to compensate me weekly which is not happening and by this they were going to pay me 200 a week it should be 4 times that because I am unable to work I had a part time job which I lost due to my Mom. My sister gives me credit cards which I use to buy groceries and put gas in the car to do our arons. I said I would do this for a year and I am 7 months in at at this point I have gone threw most of my money so I worry about what and how I am going to survive I am single have no health insurance or job or retirement. My brothers and sisters have me right where they want me and have no concern for my or my mothers welfare. It's is a difficult situation and I am clearly being taken advantage of. I am trying to get a family meeting together at the end of the month to address issues my older brother 3000 miles away and a brother 60 miles away.

Hi Lou,

I think you misunderstood what the person from the insurance company told you.

You cannot be present during the in-home assessment. The in-home assessment takes about 45 minutes.

The insurance company is NOT requiring you to move out of the house. That would be cause for a lawsuit. You can stay in the home and continue to care for your mother. You just can't be present for the 45-minute in-home assessment.

I hope this helps.

Scott