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When one is in their 30's, they may not necessarily be thinking about long term care issues, but this should be the time to have the conversation with parents and older family members to determine what they want, should the need arise.
When one is in their 40's and 50's, they need to begin thinking about their own family's future and what long term care issues may lie ahead. Should one have a long term care need, being prepared may help with a lot of decisions that may have to be made. This is the time to talk with family and consider the following questions:
Many different services help people with chronic conditions overcome the limitations that keep them from being independent. Long term care services may include help with activities of daily living (bathing, eating, dressing, toileting, continence and transferring), home health care, respite care, hospice care, adult day care, care in a nursing home, or care in an assisted living facility. It may also include care management services, which will evaluate needs and coordinate and monitor the delivery of long term care services.
It is hard to know if and when one will need long term care and how much a long term care event may cost, but there are some statistics that may help. For example:
So whether you are looking to help protect your parents, yourself or your children from the ramifications of a long term care event, Long Term Care insurance may be a solution that you and your family consider.
This advertisement is for insurance sales purposes and an insurance agent/producer will contact you. Long Term Care insurance is underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa.
Long term care is different from traditional medical care. Long term care helps one live as he or she is now; it may not help to improve or correct medical problems. Someone with a prolonged physical illness, a disability or a cognitive impairment (such as Alzheimer's disease) often needs long term care.