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The thought of getting Dementia when we’re older is terrifying. Often people make themselves feel better with the age-old thought, “It’ll never happen to me.” The truth is that after the age of 60 about 5% of people have Dementia, and by the age of 85 the percentage jumps between 25-50%. The good news is that, despite hereditary genetic predisposition, there are many things we can do to help our odds out. Continue reading
Personal Story: How Long-Term Care Insurance Changes Caregiving
Nathan Sanow is the Executive Director of LTC Consumer. He, like many of us, has a personal story that involves a long-term care experience.
“According to the US Department of Health and Human Services, 52% of Americans will require professional long-term care services in their lifetime.” Having worked in the insurance industry for nearly 20 years I know the stats and have heard the stories of people on both sides who did and did not have coverage. But nothing prepares you for when it happens to your family.
How to Convince Parents to Move into an LTC Facility
Watching a parent get older and more vulnerable can be tough. The first signs of potentially needing help are difficult to witness; forgetfulness, when things start to slip in the housekeeping or yard work, or even worse – a fall. Often mom or dad are reluctant to leave their life-long homes and move into a long-term care facility. However, with a little preparation and perseverance, you can help your parents transition to a safer residence with less responsibility and more socially engaging activities. Continue reading
Maintain Independence with Long-Term Care Insurance
You’ve been independent your whole life. You lived where you wanted, you bought the car you liked, and you ate the food you loved. You tried to make the right decisions and the healthy choices that were best for your family. You lived life on your own terms. The goal, as you get older, is to maintain that independence. So how do you accomplish that while still living your best life? How do you continue that feeling of freedom, while seemingly depending more and more on other people? You protect yourself and your loved ones with a long-term care plan. Continue reading
Infographic: LTC by the Numbers, Buying Trends
People like to know what other people are buying – what the trends are. The assumption is that all these other people must know what they’re doing. So LTC Consumer thought we would put your minds at ease by compiling our long-term care insurance (LTCI) buying trends into one easy-to-read Infographic. Guided by our specialists, last year’s consumers chose policies that made the most sense for their families and their retirement strategies. Check it out and see what was trending. Continue reading
Your Long-Term Care Journey With and Without Insurance
Unless we die of a sudden event, most of us will experience a long-term care (LTC) journey. According to the US Department of Health and Human Services, 70% of people turning age 65 will need LTC at some point in their lives. The question is, how will that journey affect our finances, our health, and our loved ones? With long-term care insurance (LTCI) that journey can be a little easier.
5 easy ways to support Alzheimer’s & Brain Awareness Month in June
June is Alzheimer’s and Brain Awareness Month and the Alzheimer’s Association is asking you to get involved. They have five simple steps to show your support and encourage more awareness. The first three are to “go purple”, the fourth is to share your story, and the fifth is to take action. LTC Consumer will be participating in all of these to help spread the word and fight to end Alzheimer’s. Continue reading
How to Participate: National Senior Health & Fitness Day
Time to dust off that thigh master, find that Jane Fonda workout tape, and put on those leg warmers. Wednesday, May 29 is National Senior Health and Fitness Day, where the theme is “Live and Thrive with Exercise” and the goal is about getting – and keeping – older Americans healthy and fit. Organizations will host health and fitness activities focusing on the senior market in their communities and encourage a healthier lifestyle. Continue reading
Can I get Long Term Care Insurance if I’ve had Cancer?
Many people assume that just because they’ve had some form of cancer, that they are no longer eligible for long-term care insurance. Actually, if you’ve strictly followed all treatment, waited an appropriate numbers of years, and are released from a doctor’s care, then there’s a good chance you are eligible. Your best bet is to speak with a specialist who will ask you a series of questions and research which carrier can give you the best coverage for the best cost. Continue reading
Long-Term Care Insurance Specialists Save You Money, Time, and Stress
Learning about any type of insurance doesn’t sound like an awesome way to spend an afternoon. Long-Term Care Insurance (LTCI) can be intimidating, and when people start researching, they can quickly get frustrated and overwhelmed. That’s why it’s so important to work with a Specialist who can save you money, time, and stress by guiding you to a long-term care (LTC) plan that fits your needs and budget – all while sitting in the comfort of your own home. Continue reading
