Long Term Care - Please Help!

Hello all,

My name is Karla Johnson and I am a 67 year old woman from Texas (yeehaw!). Here is my situation, I hope someone has advice for me as I really need it!

I have self diagnosed myself with the early stages of alzheimer's disease. My mother got it as well and I went through the whole process from start to current day (she is in now in a nursing home). Anyways, I was able to find a website that guided me through the application process for Long Term Care in my state (LongTermCareInsuranceFinder.com) and now that I have the quote back for how much it is going to cost me, I don't know if I can afford it! I have looked everywhere and it seems the free quote I got back from them was one of the lowest so that is not the problem, it is just that I have been out of work for quite some time and my husband is long passed away. My funds are running out and I am not sure where to turn next. I fear that I will become a financial burden to my family if I can not afford to pay for this Long Term Care Health Insurance which I think I will very desperately need soon.

Does anyone have any suggestions as where I may seek state or government funding for my Long Term Care payments? Any information would be greatly appreciated as I am losing my mind day by day over this (literally!). Thank you!

-Old Grammy

Hun although your Mom had it I would strongly suggest having a neurological test done
To self DX is not the answer My mom will be gone one yr next mth and my step dad has it BUT I know I do alot of forgetting and I am always misplacing things the norm ....anyways I too was afraid like you n thought this was gonna be my life's end
I had worked as a geriatric nurse owned my own home til other diseases and illnesses made me have to sell and retire ....
I guess what I am trying to say is not to self dx please please I implore you to go and get tested professionally a family doc can set you on the right course
Keep away from checking the net I have had myself convinced I had everything from tumor to God knows what ......
I am not treating your concerns lightly at all but I honestly believe that the proper way to have this DX is thru a doc and go from there
I am sure glad you found us here and hope you will stick around
I am from Canada and have no idea how the monies or gov agencies work except for here but I honestly believe there is a definite difference in forgetfulness and getting older ( I am 53) and this Disease
Hope to see you post again
Take care hun and God Bless
There are resources on the side in yellow as well .......
Be well and please seek medical attention asap
Lyn

If you get the chance could you post and let us know how you are doing please
Take care '
Lyn

Considering you knew who you were, you honestly do not have Alheimers. Maybe dementia, but not what you are thinking. Some health insurances will cover for long term care, including Medicare and Medicaid. If not, call your local DHS office and ask for the elderly intaker. Some states, like here in Oregon, have depending on your income so many hours of in home help. If you really think you need a nursing home, which I think you dont, I'd recommend the following:

1. DO NOT make interviews to check out the place, just simply GO there and also talk to the residents there, they will tell you if they are happy there. If you find many people not happy, you don't want to be there.

2. I'd recomment something like Farmington Square (a place here in Oregon) because it goes from Assisted Living to the full blown nursing home depending on the level of care you need.

my mother in law has long term care insurance through AARP it costs 170 dollars a month. i know when we needed to use it for home health care we had to go through an approval process but they finally approved the home health care.