The costs and decisions regarding a person’s care involve the entire family. It’s not about the individual who needs care, it’s about how providing that care will affect the family, financially and emotionally.
It could be a caregiver coming to your home to help you bathe and dress each morning. It could be a family member helping you with shopping, meal preparation, or household chores. At the other end of the spectrum, it could be rehabilitative care after a fall, or living in a Dementia Care Facility when it becomes unsafe to remain home alone.
Long term care refers to a variety of support services available to those who need assistance due to accident, illness, a chronic condition, or cognitive impairment such as dementia.
Thanks to medical advances, we are living longer lives. When a person reaches age 65, they can expect to live another 20 years. Along with that longevity, however, is the increased likelihood of needing long term care.
Long Term Care Insurance Specialist
Unfortunately, many people think they will never need care, and therefore fail to do the necessary planning. Often, families are torn apart over the issues of how to care for mom or dad, and who will pay for the care. Having a long term care plan in place ahead of time is one of the greatest gifts you can give your spouse and family.
Long term care insurance is not for you. . . it's for your family.