1. Access to Quality Care--Some people realize that the quality of care available under welfare can be less than private pay. Also, quality nursing homes tend to favor private pay patients during admissions. Being able to choose a nursing home gives a family the freedom to move their loved one into a quality facility, nearby, when the time comes.
2. Burden--Most people don't want to be a burden on their spouse, kids, relatives, friends, etc. This burden is both financial and emotional, resulting in guilt.
3. Asset Protection--Everything an individual worked for can be wiped out by nursing home costs. A lot of people would rather have their home, life savings, and other assets go to their family or charity, instead of a nursing home.
4. Control or Independence--We are used to making choices in our lives. We choose where we want to live, what kind of car we drive, who our doctor is, etc. Most people wish to maintain control, rather than relinquishing it to welfare.
5. Aversion to Welfare--People don't want to be dependent on the government for care. They feel welfare is for the truly needy, not for people trying to hide their assets in order to qualify.
6. Peace of Mind--The peace of mind offered by quality long-term care coverage is immeasurable. Being able to go to bed at night knowing one is protected, instead of worrying about what to do if something happens, is a feeling most people desire.
What's your reason for not having it?????
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