“Are Your Long-Term Care Plans Putting You in Danger?,” by John Grobe, FedSmith

Quote:

“Ask yourself: do you want to spend your last years at the Trail’s End Nursing Home, where close proximity to other elderly people will result in you dying earlier than you might otherwise have died? Here are some things to consider: If you currently have, or are considering getting, long-term care insurance, you probably want to have a policy that includes the option of receiving care at home. Many LTC providers offer ‘facility only’ plans which are less expensive than ‘comprehensive’ plans that cover home based care.”

LTC Comment (from Stephen A. Moses, President, Center for Long-Term Care Reform):

This is the most explicit pitch I’ve seen for having LTC insurance in order to avoid Medicaid nursing homes.