Need life insurance for 89 year old grandmother?

Need life insurance for 89 year old grandmother?

Does anyone know of any life insurance companies that I can get a life insurance policy on my 89 year old grandmother? She is currently in nursing home with dementia and in very poor health. My mother and I who are both disabled and on disability and food stamps and are currently living in her house...which is run down and we are living in squalor is not worth anything...my laptop I am writing this on is worth more than this house, but it has a tax lien and when she dies they will take it. So we need a life insurance policy on her of about $50,000 so we could buy a mobile home and a new car, which we don't have a car and to help us pay bills. We are getting her pension check of $218 a month so we could use that as monthly payment for the life insurance, but can put in some of our money if we have to but has to be under $300 a month. Any information would be greatly appreciated as I have not been able to find an insurance provider that will take anyone over 80 or 85.

 

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I am having trouble finding car insurance because I am only eighteen, and my car is quite expensive. Does anyone know of an insurance site that will give you insurance no matter the conditions? I am willing to pay any amount to get comprehensive cover.

 

 

Affordable braces (Columbus, OH)?

I'm wondering if anyone knows of any Orthodontists that will do braces within an affordable price range around Columbus, Ohio. I'm willing to travel out of city, not so much out of state. I have two kids that are in desperate need of braces, but I can't afford to get both of them done with the prices that most orthodontists have been giving me. One of my girlfriends told me that she got her son's braces done for about $1700, which AMAZED me. Unfortunately, that office is now closed. Does anyone know where I can get braces done without going out of the price range of about $3000 each? I'm willing to go higher, but with this economy, not much higher. Also, I do already have dental insurance.

 

 

Long-term care insurance with pre-existing conditions?

My grandfather, who is 72 years old, needs round-the-clock care that has now exceeded our capabilities. He suffers from pre-existing bad to severe dementia. He's suspicious, falls frequently, very forgetful, suffers from sundowning. He just doesn't know what to do and he even struggles with basic life functions. He also suffers from lymphatic cancer that metastasized to his lung and chest cavity, as well as squamous cell carcinoma that is very resistant to all his previous treatment and has spread to open wounds on his arm. Because all of his lymph nodes were removed, his lymphatic fluid constantly pools in that arm and swells to hugely abnormal size. Therefore he has to wear a sleeve to keep it in place, which is painful for him to put on and is time-consuming for his caregiver. He also is supposed to keep his arm elevated, but refuses because of his dementia. He is mean and hateful at times and insists that we are trying to kill him and is always demanding that his caregiver (my aging and stressed grandmother) remain at his side at all times, or he grows suspicious about her fidelity. He has hallucinations. We moved in with them to help her take care of him, but my school work (homeschooled, mainly to take care of them) and my mother's commute to work have also taken a toll on us. We hated to think about it, but we finally resolved that he belongs as a permanent resident in a home. The biggest problem is the astronomical cost which we can't just chip together , as it was never there in the first place. We did research on nursing home coverage and found out about long term care coverage. We found out some basic things like it is best to purchase at a young age. Unfortunately, my grandmother was never educated on insurance and doesn't possess significant life insurance nor anything like long-term care, and he doesn't qualify for the little help Medicaid offers. Although he suffers from cancer, he has reached the end of his treatment. His cancer was too resistant to all prospective radiation and chemotherapy, and the anti-body treatment that he tried, he had a massive allergic reaction to. He has awful pain all the time and is on a rotated regimen of extra strength ibeproufen and high dosage morphine, with a high grade fentanyl pain patch. So, although cancer plays a part in his insurance qualification in name, apart from being administered his medication and sleeve, his cancer is not the main concern as far as his care/treatment goes. We have had to accept that he is going to die sooner or later and are trying to find the best final preparations. Bentonite clay seems to be drawing out some of the side effects of his radiation (after which his cancer got worse), and so may prolong his life. The short prognosis was 2-9 months. His dementia have become exhausting and endless. There's simply nothing we can do anymore. He's on prescription for Aricept for the dementia and we give him melatonin for the sundowning, which seems to have a calming effect. Sorry for the long piece, but we're all very distressed about this and I felt that I had to give a thorough explanation of his ailments and treatment. Our needs are a long-term stay in a nursing home facility covering skilled care for his dementia, activities of daily living, ect. We also hope that he can be treated with respect and dignity. We need affordable prices like anyone else in the middle class, not astronomical rates. We also need a policy that would either cover pre-existing without penalizing for it or not asking health questions, ect., as my grandfather is obviously in need of care we can't offer him. The only policy we have even brushed upon is Physicians Mutual. We don't know anything about it really, and we don't know where to look for anything else. Everything seems to lead to a dead end online when we need a solution. Any help is greatly appreciated.

 

 

How do you find affordable health insurance?

I have a friend of mine who lives in Florida. He had open heart surgery a few years ago. After the surgery was done, the Dr walked in the room and told my friend he really never needed the surgery to begin with. He is trying to find health insurance and he is having trouble finding it because of his heart condition even though now he doesn't have one. Most of the health insurance companies want more then $1500 a month to insure him. How does he find affordable insurance in the US?

 

 

How much would it cost to have insurance on your license?

I live in Washington state. I was wondering how much insurance would cost if it covered my licenance so i can drive any vehicle.

 

 

Auto insurance for teen questions?

okay so for my 17th birthday (when i get my G2) i want to buy my own car. I've done a few quotes and found Im going to be paying practically 10k per year...more than the cost of the car! however, if i was female it would be like 4k. would it work if i had the car registered in my girlfriends name and the insurance in her name, but i paid and i always drove it. if i was pulled over i'd just say Im boring my girlfriends car? is that legal?

 

 

Health Insurance for Uninsurable?

I haven't been able to get health insurance in the past couple years due to constantly changing jobs, and not being able to stay on my feet as much as I would like to in my career. I have diabetes, which is causing more serious issues with my limbs and eyes that I can't wait to take care of. I am in my low 30's, single, and a resident of Illinois. I know the affordable health care is suppose to start accepting applications in October, and care beginning in 2014, but I just can't wait that long. I tried any other state and federally funded option, but they have suspended their applications due to the new programs coming out later this year. Would anyone have any other ideas, my family will help offset some of the costs, I just need to find some kind of a plan with pre existing conditions to include diabetes.

 

 

Should i get home insurance as a home owner or a rental ?

i own a house and i rent out part of it . i pay about 925 per year. i am moving out of state should i switch to rental property rather then owner occupied insurance ? which one is better or cheaper

 

 

What is a car that will have low(er) insurance rates for a new 16 yr old driver??

So i just turned 16 and i didnt get my license yet but i am soon and my parents insurance agent said different cars have higher or lower prices on insurance, he said maybe a mid-size sedan or a small suv or minivan. but... i dont know. Anyone with experience with this cause i'm in need of a car!!

 

 

What are the upsides/downsides to a LPG/Autogas conversion.?

With auto gas being roughly 60% of the cost of petrol, investigating a conversation is attractive but not if it is just simply an exchange of costs and the whole deal just is a contra entry. Much lower mpg , increased service costs, insurance, more wear and tear are just some of my thoughts. Also how does auto gas effect performance ? Hence what are your experiences (in the UK please), costs, regrets and pleasures concerning the topic.

 

 

Cheap insurance for (2002) BMW 3 Series for young drivers?

Hi everybody Does anyone know a cheap car insurance for BMW 1.9 - 2.0 for a young male driver? GoCompare didn't show any good deals yet , so any ideas? Any help appreciated. Thanks

 

 

How much would insurance be on these cars ( average ) 1st time driver ?

saxo vtr vw golf mk2 anybody help need a rough estimate of the insurance as these are my dream cars and wanting to kno the average insurance price, if to high i dont want to get my hopes up

 

 

Will a stolen recovered car affect the insurance and vehicle value?

I'm looking to purchase a car that is stated stolen/recovered NOT cat C or cat D What does this mean? Will it affect the insurance price? Can I get insurance if I'm 17?

 

 

Cheaper car insurance ?

Which insurance companies out of the major ones have you found that are the cheapest for a 19 year old on their own policy?

 

 

What's a good car with low insurance and good gas mileage?

Am looking to spend around 5 grade. Looking for a classy looking car. Preferably 4 door. No need for a sports car look. I guess I like the subcompact look? Compact look. Needs to be fuel efficent. Safe. Low running costs. Reliable. Anyone have any ideas on brands and models? Any advice? Also what am I meant to look out for when buying a used car? This will be my first car.

 

 

Staying on my dads health insurance (i'm 24 and not in school)?

im confused for the most part about the affordable act im currently 24 and dont 25 until april of next year . my dad works for the county parks and recreation here in miami and up until a few years ago i was under his insurance. because im not a student i didnt qualify to be under his insurance. im unemployed and was thinking about purchasing a bronze/catastrophic level insurance. but with the act now passed could i latch on until im 26 under my dads coverage despite not being a student? thanks for the help in advance

 

 

I got a citation for no proof of insurance and have a couple questions..?

so my first citation, annnd i was wondering if i take traffic school do i still have to pay the $1,000 fine for not having insurance at the time? also if i sell me car before the court date does that help ? if not what can i do to not pay because im broke no job and no money , willing to do community service.. can i do that for this kinda thing?

 

 

Medical insurance question?

I'm 21 and under my parent's military insurance, I had to be a full time student in order to be back under their insurance. I got my new ID, I'm back on medical insurance but I'm struggling intensively in one of my classes, and I can't find tutoring for this specific class. There's also no book or feedback from my professor, thus making me withdrawing from it. Withdrawing from the class would leave me with 11 credits. Since I already have my ID card, and I'm under medical insurance and have my insurance card and everything, will this effect my eligibility or will I still have medical insurance under my parents?

 

 

Cheap Insurance, For a 19 year old?

hi im a typical 19 year old, been driving for 1 year this month. Does anyone know of any Cheap Insurance places, Everything is so expensive! i dont want to be paying more than 50.00 a month! Please help

 

 

Disability and life insurance - recommended companies?

What company do you buy disability and/or life insurance from? I want to purchase both disability and life insurance (preferably together) but I just don't know where to start. I search on the web but I've never heard of any of these companies so I have no idea if they are a scam or not. My spouse and I are both young and healthy with no kids, but I want disability insurance because I've seen what can happen to people when they don't have it, and life insurance because we both depend on each other's incomes. Also, what kind of screening can I expect to be subjected to for such insurance? I talked to one company and he was talking about a rep coming to my house for urine samples! Is that normal?

 

Need life insurance for 89 year old grandmother?

Does anyone know of any life insurance companies that I can get a life insurance policy on my 89 year old grandmother? She is currently in nursing home with dementia and in very poor health. My mother and I who are both disabled and on disability and food stamps and are currently living in her house...which is run down and we are living in squalor is not worth anything...my laptop I am writing this on is worth more than this house, but it has a tax lien and when she dies they will take it. So we need a life insurance policy on her of about $50,000 so we could buy a mobile home and a new car, which we don't have a car and to help us pay bills. We are getting her pension check of $218 a month so we could use that as monthly payment for the life insurance, but can put in some of our money if we have to but has to be under $300 a month. Any information would be greatly appreciated as I have not been able to find an insurance provider that will take anyone over 80 or 85.

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