This insurance company is not very smart though. Here are 3 simple facts they should have considered instead of just the fact that I have Parkinson's and Hubby is healthy (on paper).
1. I am way healthier than Hubby overall, and my health habits are way better than Hubby's are. I may have Parkinson's but Hubby is currently on the track for a whole realm of other bad health stuff, including diabetes, strokes, heart problems, joint problems, etc. etc. If I were a betting woman (apparently I am as I applied for insurance) I would wager that Hubby's overall health will decline way before mine.
2. Hubby has a kind, nurturing, caretaker kind of personality. If I need a caretaker, he will take care of me until he drops for as long as he can. He will not put me in long term care until someone forces him too. It's his personality - it's just the way he is!
3. I, on the other hand, will put Hubby in long term care as soon as it even appears that I might have to take on the caretaker role. I will be supportive and loving and visit him regularly and even occasionally help his long term caretakers - but I do not have a kind, nurturing, caretaker bone in my body! (Sorry Hubby, but you married me this way!!)
Perhaps Long Term Care Insurance Companies should use different criteria on who they accept and who they don't. I am pretty sure they chose poorly in our case!
(Just in case you haven't figured it out - this is a satire and I am not serious about anything I wrote... except the part that I do not have a caretaker personality. That part, I was totally serious about... Oh... and also the part about Hubby having a caretaker personality. That part, I was totally serious about... Oh yeah... and also the part about me being the healthy one and Hubby not being the healthy one. That part, I was totally serious about... And...uumm... also the part about the Insurance company choosing poorly. That part, I was totally serious about too... The rest was satire!)
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