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November is Long Term Care Awareness Month

  • Long Term Care

We have planned all of our lives in one way or the other – from planning meals to planning vacations, to planning for our children in many and all ways. It is also very selfish and irresponsible not to plan for ourselves. We need to sit down with our spouse and discuss what the balance of our time line should look like.

Our social security, pensions, savings, real estate (our home(s)), our appropriate legal work (wills, trusts, durable POAs, POAs, etc.), our insurances (health, long term care, life insurance), where we want to retire and how, our final resting place (funeral arrangements). This mentality that our kids will take care of us or that the subliminal or unspoken “honor thy father and thy mother” will translate to relieving you of the responsibility of doing your own planning is very selfish. Having said that…I respect that your parents may have been raised in a different time and the elders became part of the household…but that just isn‘t that rosy. The emotional and financial burdens just don’t have to be. Please say you do not know, you do not understand, I have no plan….we can help families create a plan that will work for all members of the family unit.  The priority here is safety and appropriate medical and mental care. It’s all about the money…how can we possibly pay for that!

We have ways to help you understand the risks, avoid common mistakes, reduce your costs, reduce the financial impact and the burdens that go with “no plan”.  I will refer you to a video produced by Kiplinger that is not bias towards an insurance carrier.  Here are a few documents from Kiplinger to get the conversation started. Just a conversation to help you better understand the unknown.

Document One

Document Two

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Debbie SearsNovember 12, 2012

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