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<blockquote data-quote="64Mustang" data-source="post: 221727" data-attributes="member: 1552">Super long story shorten: my wife's Father and his wife (step-mom) are early 80's.&nbsp; Stepmom has been put into nursing home because of Dementia issues.&nbsp; Her physical health has decline significantly also.&nbsp; It was costing him about $9K per month for the nursing home.&nbsp; She has been in there for over a year now.&nbsp; Doing a little research and found that nursing home average stays are about 18 months, but that takes into consideration the very ill from the Hospital that have just a few weeks to live.&nbsp;&nbsp; I know of some people who lived in nursing home for several years.&nbsp;&nbsp; Been thinking about long term care coverage, partially to protect assets for kids, and/or wife or me if one or the other has to go nursing home route for a few years.&nbsp; we are both mid 50s and everything I have read says to get LTC coverage in your mid 50s.&nbsp; &nbsp; Recommendations?&nbsp; Just LTC or combined LTC/life insurance where if you don't use Nursing home it changes to life insurance that pays out upon death.Thanks in advance.&nbsp; Hoping someone out that would be willing to share some armchair expert advice<img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite1" alt=":)" title="Smile&nbsp; &nbsp; :)" loading="lazy" data-shortname=":)" />&nbsp; thanks.</blockquote>

[QUOTE="64Mustang, post: 221727, member: 1552"] Super long story shorten: my wife's Father and his wife (step-mom) are early 80's. Stepmom has been put into nursing home because of Dementia issues. Her physical health has decline significantly also. It was costing him about $9K per month for the nursing home. She has been in there for over a year now. Doing a little research and found that nursing home average stays are about 18 months, but that takes into consideration the very ill from the Hospital that have just a few weeks to live. I know of some people who lived in nursing home for several years. Been thinking about long term care coverage, partially to protect assets for kids, and/or wife or me if one or the other has to go nursing home route for a few years. we are both mid 50s and everything I have read says to get LTC coverage in your mid 50s. Recommendations? Just LTC or combined LTC/life insurance where if you don't use Nursing home it changes to life insurance that pays out upon death. Thanks in advance. Hoping someone out that would be willing to share some armchair expert advice:) thanks. [/QUOTE]

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