ExFlyBoy5
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I will try and make a pretty long story as short as possible. DW has had issues with a spinal tumor. She has had two radical surgeries to remove what they can and it looks like eventually this will have to happen again. I won't get into the specific details, but because of the location of the tumor, excessive scar tissue and other issues, a third surgery comes with [-]significant[/-] extremely high risk. Worst case is that she would become a quadriplegic (paralyzed from the neck down). Obviously, emotions are running very high right now and well, it sucks.
So, as a former military man, I am all about planning. I am retired and DW still works (I know, I am not retired...I am a kept man). We have excellent health insurance through Tricare and my retirement income/interest income is sufficient to maintain our current lifestyle. DW has short and long term disability so her income would continue for a while if she became permanently disabled. Obviously, expenses would increase. Exactly what that $ amount might be, we should be able to cover them.
What I am looking for here is the collective intelligence/experience with the good folks here. What things should we be considering in regards to this possibility? We currently live in a home that is suitable for most handicaps, so that box is checked. What I am not sure about is home health care, if long term care insurance is decent/possible for this situation, etc. I guess I am not really sure what I need to be thinking about. We have known for a little bit that the tumor was probably growing (increasing symptoms) but we both have been in a pseudo state of denial. Odds are very high that she will have to have a third surgery eventually.
Sorry if this has been rambling. I am short on sleep and my mind is going 1000 miles an hour.
So, as a former military man, I am all about planning. I am retired and DW still works (I know, I am not retired...I am a kept man). We have excellent health insurance through Tricare and my retirement income/interest income is sufficient to maintain our current lifestyle. DW has short and long term disability so her income would continue for a while if she became permanently disabled. Obviously, expenses would increase. Exactly what that $ amount might be, we should be able to cover them.
What I am looking for here is the collective intelligence/experience with the good folks here. What things should we be considering in regards to this possibility? We currently live in a home that is suitable for most handicaps, so that box is checked. What I am not sure about is home health care, if long term care insurance is decent/possible for this situation, etc. I guess I am not really sure what I need to be thinking about. We have known for a little bit that the tumor was probably growing (increasing symptoms) but we both have been in a pseudo state of denial. Odds are very high that she will have to have a third surgery eventually.
Sorry if this has been rambling. I am short on sleep and my mind is going 1000 miles an hour.