Instead of paying premiums to an insurance company has anyone considered setting up their loved ones Provider services agreement earlier in life so that you can potentially qualify for LTC Medicaid with little or minimal penalty? Keep in mind these things need to occur outside of the lookback window. This would allow all the hard earned money that some parents worked their who lives for to be able to pass that to their children.
That's the uncertainty. I couldn't agree more. Why not simply plan and control your own care so that you and family members can make decisions as a luxury, not as a necessity.
