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My wife just retired at age 56 and has purchased long term health care. (good for her what a wise decision) I retired several years ago and am now 64
and considering purchasing coverage (try to purchase with the company that covers her so that you can get the spousal discount make sure it is retroactive in nature). David Baze's article opens many questions to my purchase which would be
much more expensive (not terribly approx. 15% more if it is with a reputable company) than my wife's and apparantly, much less valuable (not at all you always have control over the plan you choose based on your health and finances, you are no less important and cannot control what type of care "if any" that you will need). Are there any statistics on the use of
HOME health care by men and women who qualify for assistance with several of the daily life activities?(this is a good but not so important statistic do not let this be the dictator for protecting your assets what you have to ask yourself is will the plan that my wife has and the one that I choose protect our assets so that we can accomplish our goals) Do not let statistics be the cause of you purchasing or not purchasing coverage)

I expect to remain at home should alzheimers or another ailment strike and require home care. ( or just hanging christmas lights with a faulty ladder or hosing down the roof of the motorhome or cleaning the patio) My younger wife should probably outlive me (the statistics usually point in that direction).
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