Long Term Care – What Is It And Why Is It Helpful?

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Information for this post is sourced from Genworth Financial in partnership with the SheHeard Influencer Network.

Long Term Care - What Is It And Why Is It Helpful?

My pregnancy was a mess. At the beginning of my second trimester I got really sick from vertigo and ended up in the hospital. They said it was dehydration, kept me overnight for fluids, then sent me home. I was sick at home for about 3 more weeks. I felt a little better for a week, then it hit me hard. I couldn’t move, I had to crawl to the bathroom. It was bad. I was hospitalized for 8 days. Being in the hospital was uncomfortable, to say the least. Being pregnant and very sick, all I really wanted was the comforts of home.

The nurses and doctors took good care of me, but I still didn’t really like it there. They had to check my vitals and draw blood constantly, so I was never getting any more than a few hours of sleep at a time. Finally I was released, but Home Health had to come see me every day for about 10 more days. Even though I still couldn’t really move on my own, being at home was much more comfortable. It was really nice having someone come to my home to take care of me. {Turns out I had Meniere’s Disease and not dehydration.}

All my life I’ve been prone to illness and injury, so it really wouldn’t surprise me if I needed extra help in my old age. My pregnancy experience got me to thinking – would I prefer to be in a nursing home and/or hospital, or would I prefer to stay in my home? I think I would prefer to stay in my home, but being cared for at home is just so expensive. The New York Times recently published an article titled “Buyers of Long-Term Care Insurance Prefer Home Care“, which basically echoes my sentiment. Additionally, I have two grandparents who prefer home care for their long-term care needs versus being in a home or a hospital.

After doing some research, I found some information from Genworth Financial about paying for home care via Long Term Care Insurance. I know, I know, adding another insurance to the list can be overwhelming, but I can’t help but wonder if it might be worth it.

Disclaimer: This is a sourced review. Please note that the opinions expressed are my own and have not been influenced by outside sources of any kind. Please use due diligence when making any purchase decisions.

Comments

  1. With aging parents, it is so important to look into long term care! I really need to investigate the options.
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