I am 34 and as my readers are well aware , I am battling with a very serious lung condition which leaves me on constant oxygen both day and night. I have been admitted to the ICU at least 7 times in the last four months, during which one time I almost flat-lined and needed intubation.
I have been out the hospital this time two weeks and counting and am on a very heavy dose of steroids to keep me from going back in. Hopefully I will make it to the 28th February at which point I will be receiving my third course of cytoxan, a chemotherapeutic drug, which may just be what keeps me alive.
I have accepted my fate as best as I can, but want to use my experience to reach out to others and let them know how lucky and privileged I was when my company offered me free long term care insurance as part of my salary package. It has made the difference between total poverty and family ruin to choices that I am able to make with regard to hospitals and doctors I see.
Not everyone will be fortunate enough to receive long term healthcare for free and being honest , if I would have had to pay for it I wouldn’t have, because I would have associated long term health insurance with the 55 and over, not a healthy mountain climbing 33 year old without a health concern since he was born………That’s why I urge you, as someone who one day woke up and couldn’t walk the stairs without severe panting, I know that things could be so much worse if I didn’t have this safety net of two thirds of my salary for the rest of my life…….
I am enclosing a great video from a LTC sales man. It is very powerful. Please get yourselves insured.

