Future defaults can also be avoided through careful planning and education. Seniors who know that they cannot afford to pay their property taxes and insurance should not pursue a reverse mortgage. The bright side is that, as long as seniors keep up with these costs, their loans are completely safe and will be safe for as long as they remain in their home.
Another agency developed a Mom and Babe program that catered to the large number of young, educated families in their geographic area. The program retained the services of an OB-GYN RN, who made the first visit to the home the day after the mother was discharged from the hospital. The aide, who was a trained doula, also accompanied the RN on the first visit. The services were bundled into either 5- or 7-day, 12 hour/day packages that included the RN visit and the 5 or 7 days of the specialty aide. The aide not only cared for the mother and baby, but tended to the home and other children, allowing the new mother and baby to have bonding time. The aide planned and cooked the meals and did the laundry and light housekeeping so that the mother could rest. The program, as mentioned, was sold as a package and made great shower gifts. The aide was available on an hourly rate to continue services beyond the package if the family wished, or her services could be bought by the family directly for however long they were needed.
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LTCI 2.0 is much more versatile and focused on home health care rather than the nursing home variety. Should you fail the physical, there are alternatives for those who are denied coverage.