Guest guest Posted June 2, 2002 Report Share Posted June 2, 2002 Hi Dodie, The current issue of AFTERBURNER, May 2002, includes a lot of material on LTC. I don't have any idea if MSA is covered for nursing homes but maybe someone else will. Here is a quote from the article: " Long-term care is not medical care but rather is designed to help people with chronic conditions to perform daily life functions, such as getting out of bed, dressing, eating and going to the bathroom. Care can be received in a home, a hospital, nursing home, assisted living facility, adult day care center or hospice. " For full details, including premiums, packages, benenfits and rules on how to enroll, visit the OPM Long-Term Care Insurance Web site at http://www.opm.gov/insure/ltc/ Do you have a copy of the AFTERBURNER? I can send you this one. Let me know. Jean (PHX where it may be hotter than MO) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 2, 2002 Report Share Posted June 2, 2002 Hi Dodie, The current issue of AFTERBURNER, May 2002, includes a lot of material on LTC. I don't have any idea if MSA is covered for nursing homes but maybe someone else will. Here is a quote from the article: " Long-term care is not medical care but rather is designed to help people with chronic conditions to perform daily life functions, such as getting out of bed, dressing, eating and going to the bathroom. Care can be received in a home, a hospital, nursing home, assisted living facility, adult day care center or hospice. " For full details, including premiums, packages, benenfits and rules on how to enroll, visit the OPM Long-Term Care Insurance Web site at http://www.opm.gov/insure/ltc/ Do you have a copy of the AFTERBURNER? I can send you this one. Let me know. Jean (PHX where it may be hotter than MO) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 2, 2002 Report Share Posted June 2, 2002 Hi Dodie, The current issue of AFTERBURNER, May 2002, includes a lot of material on LTC. I don't have any idea if MSA is covered for nursing homes but maybe someone else will. Here is a quote from the article: " Long-term care is not medical care but rather is designed to help people with chronic conditions to perform daily life functions, such as getting out of bed, dressing, eating and going to the bathroom. Care can be received in a home, a hospital, nursing home, assisted living facility, adult day care center or hospice. " For full details, including premiums, packages, benenfits and rules on how to enroll, visit the OPM Long-Term Care Insurance Web site at http://www.opm.gov/insure/ltc/ Do you have a copy of the AFTERBURNER? I can send you this one. Let me know. Jean (PHX where it may be hotter than MO) Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 2, 2002 Report Share Posted June 2, 2002 I checked into some plans You have to be " well " to qualify. I was denied because I use a cane occasionally due to an arthritic knee. Nothing else but that. You have to get it before you need it. Barb in Arlington -- " When someone loves you, the way they say your name is different. You know that your name is safe in their mouth. " - age 4 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 3, 2002 Report Share Posted June 3, 2002 Jan, I had applied for long term care in November 1999, just 4 months after my initial dx and was denied. Does this policy that you mention cover pre-exsisting conditions? Hugs, Deborah From: Suicoaz@... Reply-To: shydrager To: shydrager Subject: Re: LTC? Date: Sun, 2 Jun 2002 22:05:20 EDT Hi Dodie, The current issue of AFTERBURNER, May 2002, includes a lot of material on LTC. I don't have any idea if MSA is covered for nursing homes but maybe someone else will. Here is a quote from the article: " Long-term care is not medical care but rather is designed to help people with chronic conditions to perform daily life functions, such as getting out of bed, dressing, eating and going to the bathroom. Care can be received in a home, a hospital, nursing home, assisted living facility, adult day care center or hospice. " For full details, including premiums, packages, benenfits and rules on how to enroll, visit the OPM Long-Term Care Insurance Web site at http://www.opm.gov/insure/ltc/ Do you have a copy of the AFTERBURNER? I can send you this one. Let me know. Jean (PHX where it may be hotter than MO) If you do not wish to belong to shydrager, you may unsubscribe by sending a blank email to shydrager-unsubscribe Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 3, 2002 Report Share Posted June 3, 2002 Jan, I had applied for long term care in November 1999, just 4 months after my initial dx and was denied. Does this policy that you mention cover pre-exsisting conditions? Hugs, Deborah From: Suicoaz@... Reply-To: shydrager To: shydrager Subject: Re: LTC? Date: Sun, 2 Jun 2002 22:05:20 EDT Hi Dodie, The current issue of AFTERBURNER, May 2002, includes a lot of material on LTC. I don't have any idea if MSA is covered for nursing homes but maybe someone else will. Here is a quote from the article: " Long-term care is not medical care but rather is designed to help people with chronic conditions to perform daily life functions, such as getting out of bed, dressing, eating and going to the bathroom. Care can be received in a home, a hospital, nursing home, assisted living facility, adult day care center or hospice. " For full details, including premiums, packages, benenfits and rules on how to enroll, visit the OPM Long-Term Care Insurance Web site at http://www.opm.gov/insure/ltc/ Do you have a copy of the AFTERBURNER? I can send you this one. Let me know. Jean (PHX where it may be hotter than MO) If you do not wish to belong to shydrager, you may unsubscribe by sending a blank email to shydrager-unsubscribe Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 3, 2002 Report Share Posted June 3, 2002 Dodie: If you have long term care insurance, it usually covers if you cannot do certain things for yourself. You need to read your policy carefully, but it should cover MSA disabilities. You cannot get it, however, once the diagnosis has been made. You must be pretty healthy when you sign up for it. Hospice does indeed cover MSA as we found out for Ken. Your doctor must say that in his opinion, the patient will live about six months, and the condition is terminal. Ken had Hospice help for six months and one week, and he continued to take all his PD and SDS medications that whole time because they were only for his comfort and did not promise a cure. Hospice will bring any medication for comfort, but they do not try to cure. If a cure comes along while you are on Hospice, you may leave Hospice and try the cure. If it does not work, you may go back on Hospice again. The only requirement to stay on Hospice is that you must be getting worse, not better. Our Hospice nurse said she had one patient who had been with her for almost two years. I commented to the Social Worker after Ken's death that it had been very helpful to have been with them as long as we were before Ken actually died. She said they are trying to get doctors to refer terminal patients earlier rather than waiting until the last minute. Our doctor did not bring it up; I asked if she thought it was time, and she said she did. The relief in her voice was obvious that I had broached the subject and she did not have to. Barbara Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 3, 2002 Report Share Posted June 3, 2002 Dodie: If you have long term care insurance, it usually covers if you cannot do certain things for yourself. You need to read your policy carefully, but it should cover MSA disabilities. You cannot get it, however, once the diagnosis has been made. You must be pretty healthy when you sign up for it. Hospice does indeed cover MSA as we found out for Ken. Your doctor must say that in his opinion, the patient will live about six months, and the condition is terminal. Ken had Hospice help for six months and one week, and he continued to take all his PD and SDS medications that whole time because they were only for his comfort and did not promise a cure. Hospice will bring any medication for comfort, but they do not try to cure. If a cure comes along while you are on Hospice, you may leave Hospice and try the cure. If it does not work, you may go back on Hospice again. The only requirement to stay on Hospice is that you must be getting worse, not better. Our Hospice nurse said she had one patient who had been with her for almost two years. I commented to the Social Worker after Ken's death that it had been very helpful to have been with them as long as we were before Ken actually died. She said they are trying to get doctors to refer terminal patients earlier rather than waiting until the last minute. Our doctor did not bring it up; I asked if she thought it was time, and she said she did. The relief in her voice was obvious that I had broached the subject and she did not have to. Barbara Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 3, 2002 Report Share Posted June 3, 2002 Barbara: Perhaps yup should try another long-term care company. I have long-term care insurance even though I had to send them all my medical records which were full of my complaints about my Arthritis especially my knees. I got the insurance in the next mail! That was before I had both knees replaced, and I was doctoring a lot trying to avoid the inevitable. I decided they sent it to me because they knew if you have bad knees, sooner or later you will have them replaced and then you will not need their care. By the way, if you are considering having your knee replaced, I think this is the single best thing I have ever done for myself. I absolutely love not having to carry my cane wherever I go. Love, Barbara Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 3, 2002 Report Share Posted June 3, 2002 Barbara: Perhaps yup should try another long-term care company. I have long-term care insurance even though I had to send them all my medical records which were full of my complaints about my Arthritis especially my knees. I got the insurance in the next mail! That was before I had both knees replaced, and I was doctoring a lot trying to avoid the inevitable. I decided they sent it to me because they knew if you have bad knees, sooner or later you will have them replaced and then you will not need their care. By the way, if you are considering having your knee replaced, I think this is the single best thing I have ever done for myself. I absolutely love not having to carry my cane wherever I go. Love, Barbara Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 3, 2002 Report Share Posted June 3, 2002 Barbara, That was very helpful information. Thank you for sharing it with us. Hugs, Deborah aka Tenacity Dodie: If you have long term care insurance, it usually covers if you cannot do certain things for yourself. You need to read your policy carefully, but it should cover MSA disabilities. You cannot get it, however, once the diagnosis has been made. You must be pretty healthy when you sign up for it. Hospice does indeed cover MSA as we found out for Ken. Your doctor must say that in his opinion, the patient will live about six months, and the condition is terminal. Ken had Hospice help for six months and one week, and he continued to take all his PD and SDS medications that whole time because they were only for his comfort and did not promise a cure. Hospice will bring any medication for comfort, but they do not try to cure. If a cure comes along while you are on Hospice, you may leave Hospice and try the cure. If it does not work, you may go back on Hospice again. The only requirement to stay on Hospice is that you must be getting worse, not better. Our Hospice nurse said she had one patient who had been with her for almost two years. I commented to the Social Worker after Ken's death that it had been very helpful to have been with them as long as we were before Ken actually died. She said they are trying to get doctors to refer terminal patients earlier rather than waiting until the last minute. Our doctor did not bring it up; I asked if she thought it was time, and she said she did. The relief in her voice was obvious that I had broached the subject and she did not have to. Barbara If you do not wish to belong to shydrager, you may unsubscribe by sending a blank email to shydrager-unsubscribe Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 3, 2002 Report Share Posted June 3, 2002 Barbara, That was very helpful information. Thank you for sharing it with us. Hugs, Deborah aka Tenacity Dodie: If you have long term care insurance, it usually covers if you cannot do certain things for yourself. You need to read your policy carefully, but it should cover MSA disabilities. You cannot get it, however, once the diagnosis has been made. You must be pretty healthy when you sign up for it. Hospice does indeed cover MSA as we found out for Ken. Your doctor must say that in his opinion, the patient will live about six months, and the condition is terminal. Ken had Hospice help for six months and one week, and he continued to take all his PD and SDS medications that whole time because they were only for his comfort and did not promise a cure. Hospice will bring any medication for comfort, but they do not try to cure. If a cure comes along while you are on Hospice, you may leave Hospice and try the cure. If it does not work, you may go back on Hospice again. The only requirement to stay on Hospice is that you must be getting worse, not better. Our Hospice nurse said she had one patient who had been with her for almost two years. I commented to the Social Worker after Ken's death that it had been very helpful to have been with them as long as we were before Ken actually died. She said they are trying to get doctors to refer terminal patients earlier rather than waiting until the last minute. Our doctor did not bring it up; I asked if she thought it was time, and she said she did. The relief in her voice was obvious that I had broached the subject and she did not have to. Barbara If you do not wish to belong to shydrager, you may unsubscribe by sending a blank email to shydrager-unsubscribe Quote Link to comment Share on other sites More sharing options...
Guest guest Posted June 4, 2002 Report Share Posted June 4, 2002 Jean: Can you say a bit more about what AFTERBURNER is? Message: 1 Date: Sun, 2 Jun 2002 22:05:20 EDT From: Suicoaz@... Subject: Re: LTC? Hi Dodie, The current issue of AFTERBURNER, May 2002, includes a lot of material on LTC. I don't have any idea if MSA is covered for nursing homes but maybe someone else will. Here is a quote from the article: " Long-term care is not medical care but rather is designed to help people with chronic conditions to perform daily life functions, such as getting out of bed, dressing, eating and going to the bathroom. Care can be received in a home, a hospital, nursing home, assisted living facility, adult day care center or hospice. " For full details, including premiums, packages, benenfits and rules on how to enroll, visit the OPM Long-Term Care Insurance Web site at http://www.opm.gov/insure/ltc/ Do you have a copy of the AFTERBURNER? I can send you this one. Let me know. Jean (PHX where it may be hotter than MO) Sennewald Charlottesville, Virginia Quote Link to comment Share on other sites More sharing options...
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