Mommy’s dilemna

For those that don’t know, my mom has been deemed disabled since her car wreck back in 2001. She was in an on-the-job car wreck which not only ended her nursing career but also left her with a lot of health problems including chronic back pain. In fact, my mom is on a morphine patch because of the pain which means driving isn’t really an option since she is sleepy a lot and her brain is kind of fuzzy as she likes to put it. My mom hates the side effects of the patch so she goes longer than needed on changing it which she pays for but she says it makes her feel a lot better since she isn’t fuzzy and missing out on things. I love my mom to death and the fact she risks being in torturous pain just to know what’s going on and being “here” with us means a lot which is why I am helping her on her search for disability insurance. My mom has Medicare but that isn’t covering enough so we’ve been looking for a supplemental insurance especially for those that are disabled. It’s really hard because my mom isn’t retirement age so most supplemental insurances are for those that are at or above retirement age which is why we’re going the disabled route. I swear, I have a headache after looking at plan after plan and reading over premiums and deductibles and all that jazz. Why can’t insurance agencies just be up front and tell you what you need to know instead of making you go search for all of it?