[quote=temeculaguy]I notice a lot of the comments mention “I” as far as one’s wishes go. I pay the premiums because I am not going to tell my wife’s adult children that her alzheimers was too much so I decided to have her put down. I lost sleep for a month because I put a 14 year old terminally ill dog down, don’t ask me to do that to a person. We can all be brae about ourselves, but if you have a spouse, it changes the decisions making process.[/quote]
I guess if you’ve never had a conversation with your parents, that’s what will happen. I’m 39 and my mom and I already agree that she would not prefer to have to sit in hospice until she dies. What’s the point of staying alive if there’s no quality of life.
I haven’t done the calculation on insurance yet, but I wonder if it’s just better to self-insure. The problem I see is whether the LTC premiums will keep rising after you get a policy and how easy it will be to get actual payments 40 years from now.
