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I know this question has been asked but I can't locate it. What are the best LT care policies available? We are looking into it so our kids don't have to go through what I am with my mom. Our insurance agent recommends nationwides LT care but I wanted to get some others opinions of what they have.

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My mother has a very old policy by Genworth. Genworth still offers policies, but they are structured differently. I went through USAA for my policy with John Hancock. It was that, or Genworth, and I can't recall why I went with John Hancock - might have been slightly less expensive. After seeing my mother's care costs, I didn't want to take chances. I am 61 now, and paying about 3K a year for a policy that will pay out up to 222K. That may sound like a lot, but that would only cover 3 years of care. My mom has been sick with Alz and has had to be institutionalized for 6 years. She should have been placed earlier. I think she could go another 10 years - no joke...
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Have to laugh--my son IS a lawyer and is NOT the executor of our estate. Never has been, never will be. Our business-minded daughter is the executor and already we've had some heated discussions with our son. One of the problems is that he does not and never will live in the state we live in. The other is, he's kind of a doofus. I love him to pieces, but his sister is by far a better choice. Still hoping for an answer about long term care policies hopefully WITHOUT using a lawyer. Will be doing some research as I also pull together pre-planning for the funerals, etc.
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U can assign a lawyeras POA. First wills. Then POAs covering each other. Living will and do not resucitate orders. My lawyer told me something where if one spouse s in a coma, lets say, all assets turn over to the other spouse. You need to talk to a lawyer for the laws in your state.
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I'd love to see this question answered too. I am going to force my husband to make end of life decisions NOW while we are competent. (I'm 58, he's 63) He thinks it's ghoulish, I think it's one of the greatest gifts we can give our kids.
HOWEVER, I KNOW that altho my mother has specific wishes, they are not being respected by all the sibs in the same way. Unless you assign the POA to a trusted and TOUGH person who is NOT family, you might end up where we are: fighting/disagreeing with every decision. I'm awaiting answers on this one, for sure!
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