Rhonda's Story:
She was the caregiver for both parents and provided everything. For a period, her career was completely on hold. She was stressful, but was constantly wondering whether she had done things right.
Sandy's Story
What LTC insurance can do for your family? Somebody at home watching the husband when she goes to store for grocery shopping or her own doctor's appointments.
Jack's Story - 35 seconds
I had no idea whether I would have needed my coverage. But if I would haven't had it, I would have lost everything just trying to pay people for helping me. Buying coverage was the most important thing I have ever done.
Linda's Story
The pantry is empty. There is basically nothing in the house to eat. Why don't I take a day off and do something shopping? There is simply no day off. I can't take him to the store. He doesn't walk. I can't leave him sitting in the car. You just don't do something on a wink. You have to plan it...
Long-term Care Story #1 长期护理感人故事 1
Mary是一个特别优雅, 性格外向的优秀的艺术家，走到哪儿都她能成为注意的焦点。但65岁那年她得了老年痴呆。 小女儿Rebecca成为了妈妈的监护人，全天候照顾这个110磅的“两岁” 宝宝，而且还是个穿尿片的大宝宝。
扶妈妈起床，帮她刷牙，给她梳头，哄她吃药，带着她一起去上班…… Rebecca 不知道的是她能坚持多久，她自己的能量会不会先被燃尽。
Long-term Care Story #2 长期护理感人故事#2
Long-term Care Story #3 长期护理感人故事#3
Long-term Care Story #4 长期护理感人故事#4
---Those days were a blur of errands, chores and work. I remember thinking of laundry as a marathon each week, washing clothes and linens for three adults and two little children. Just leaving the room required extensive explanations. “Where ya goin’?” the baby would say. “Upstairs for my glasses.” “Where are you going?” The 4 –year old would ask. “Upstairs for my glasses,” I’d repeat. And then, somehow missing that conversation, Mom would inquire, “Where are you going?” “Upstairs for my glasses,” I’d say irritably.
I’ve never been so exhausted, physically and mentally. There was bathing and dressing everybody, kids and Mom. And dealing with everyone’s tantrums and emotional swings, kids and Mom. And cooking and cleaning. And negotiating some semblance of balance of chores with my husband, who traveled a lot for work. And being confused and stressed and unsure if I was doing the right thing for my mother’s care.
那些日子里，琐事、家务和工作交织在一起。我记得每周单是洗衣服和床单就是一项马拉松式的任务。 要给三个成年人和两个小孩洗衣服和床单。甚至只是短暂离开房间都需要进行反复解释。“你去哪儿？”小宝会问。“上楼拿我的眼镜。”“你要去哪里？”四岁的孩子会问。“上楼拿我的眼镜。”我会重复回答。然后，妈妈似乎漏掉了那次对话，她会询问：“你要去哪里？”我有点恼怒地回答：“上楼拿我的眼镜。”
我从来没有如此筋疲力尽，身心俱疲。需要给每个人洗澡和穿衣服，孩子们和妈妈都需要。需要应对每个人的发脾气和情绪波动，孩子们和妈妈都是如此。还要做饭和打扫卫生。要与经常出差的丈夫协商家务的某种平衡。我感到困惑、压力重重，并不确定我是否在为母亲的照顾做对了正确的事情。
I’ve never been so exhausted, physically and mentally. There was bathing and dressing everybody, kids and Mom. And dealing with everyone’s tantrums and emotional swings, kids and Mom. And cooking and cleaning. And negotiating some semblance of balance of chores with my husband, who traveled a lot for work. And being confused and stressed and unsure if I was doing the right thing for my mother’s care.
那些日子里，琐事、家务和工作交织在一起。我记得每周单是洗衣服和床单就是一项马拉松式的任务。 要给三个成年人和两个小孩洗衣服和床单。甚至只是短暂离开房间都需要进行反复解释。“你去哪儿？”小宝会问。“上楼拿我的眼镜。”“你要去哪里？”四岁的孩子会问。“上楼拿我的眼镜。”我会重复回答。然后，妈妈似乎漏掉了那次对话，她会询问：“你要去哪里？”我有点恼怒地回答：“上楼拿我的眼镜。”
我从来没有如此筋疲力尽，身心俱疲。需要给每个人洗澡和穿衣服，孩子们和妈妈都需要。需要应对每个人的发脾气和情绪波动，孩子们和妈妈都是如此。还要做饭和打扫卫生。要与经常出差的丈夫协商家务的某种平衡。我感到困惑、压力重重，并不确定我是否在为母亲的照顾做对了正确的事情。
|
|
How to buy LTC insurances? 如何购买长期护理保险？
There are different types of LTC insurance. Which one should you get? How much coverage should you get? Indemnity, cash indemnity vs reimbursement, what do these mean? Should you add inflation rider?
I have some health issues. I am over 65. Can I still qualify for a LTC policy?
13 states will start a mandatory LTC tax to fund the state program soon. Will this LTC policy satisfy the criteria for me to be exempt from this new tax?
Shopping for LTC insurance is a complicated process. We are here to help!
长期护理保险有不同种类。哪一种最适合？ 我什么时候买？ 买多少？ 我现在这个身体状况和年龄还买得到不？ 会不会太贵？ 据说13个州要开始征收长期护理税。那个又是怎么回事？
如果你打算买长期护理保险，你肯定有无数的问题。 请让我们帮你参谋！
I have some health issues. I am over 65. Can I still qualify for a LTC policy?
13 states will start a mandatory LTC tax to fund the state program soon. Will this LTC policy satisfy the criteria for me to be exempt from this new tax?
Shopping for LTC insurance is a complicated process. We are here to help!
长期护理保险有不同种类。哪一种最适合？ 我什么时候买？ 买多少？ 我现在这个身体状况和年龄还买得到不？ 会不会太贵？ 据说13个州要开始征收长期护理税。那个又是怎么回事？
如果你打算买长期护理保险，你肯定有无数的问题。 请让我们帮你参谋！
