Your Long-Term Care Choices :
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First: What is Extended or Long-Term Care (LTC)? Extended
or Long-Term Care is assistance for a period of time longer than 90 days where you need personal care and health
services because you have become frail or have a cognitive impairment. When these times occur, you need
a caregiver. Most care allows you to stay at home and helps you remain active in the community
and with your family as long as possible when planned correctly. Sometimes, a family
member can help. However, it is best when the spouse, child, friend, or family member supervises
rather than provides the care. Outside caregivers help keep everyone healthy.
This care can be in or outside your home.
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What We Have Found Out. The need for extended
care can happen any time in your life with a serious illness or accident. Although the odds are lower
in your working years, are you prepared if in the unlikely event that it did? Have you funded a plan if you or those who you have sworn to provide and protect need outside care?
Are you prepared to pay for a second (2nd) household if necessary to assure the comfort and well being of
a loved one?
Since most of us don't
have a crystal ball or know when we may need extended care, being prepared to minimize the financial impact is a good strategic
move. We would like to share with you your choices and alternatives to position
yourself for these unexpected events in your life.
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d. Have you considered the price
tag for doing the right thing and the positive consequences when you are found to be prepared regardless of the
circumstances?
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Why Now? Why now? First, your health could change and you
would not longer qualify for extended care (long-term care) insurance or other choices. Second,
long-term care (LTC) costs are increasing. So, if you could quantify or perhaps even limit your overall
costs now and manage your risks, what would that mean to you? We have had clients discuss their extended
care choices with us. They walk away with peace of mind and the knowledge that .
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How to understand more.
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ü
Call us to schedule a time to visit
and to explore your personal situation.
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ü When
you are available, join us for our fun, educational events that we have often.
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ü Consider where would you begin withdrawing the money today if needed
for funds for extended care immediately. It is those funds that we would like to help you strategically
position.
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Please call us
to discuss how planning for extended or long-term living can be accomplished cost effectively.
