Has Long Term Care Insurance Crossed Your Mind?

Unfortunately for us, we are not clairvoyant and at best, can only make an educated guess about what lies ahead in our lives. With this in mind, have you really thought through all of the ways that you can prepare yourself for the unexpected? If you haven’t, would you even know where to start?

No matter what age you are, it’s never too early to consider whether you might one day benefit from long-term care insurance. You may be sitting there reading this in prime condition, too young to even imagine when you might need to use that, but as you might figure, that is when such insurance policies will come at the least expensive rates. Additionally, if you might one day be the caregiver to a loved one, it never hurt to plan for some extra help with the aspects of healthcare that may be a little bit out of your depth.

If you’re anything like me, then you might have experienced watching a loved one go from living independently, still being able to drive and go through their daily routine without assistance, to slowly beginning to have more difficulty with things like bathing or dressing themselves in the morning. Then that might have progressed to losing that ability to drive and relying on someone else to help you use the restroom. For me, it’s my grandmother and as such a strong-willed and selfless person, I know that it goes against every fiber of her being to ask someone, especially her family, to drop what they are doing and help her with those daily tasks which we so often take for granted.

Think of your loved ones, as well as yourself, when you ponder how much you can reasonably expect of your future caregivers and how much can the people you care for can reasonably expect from you while you raise a family of your own or strive for success in your career.

For those of you not as well versed in the detailsof long term care and long term care insurance, check out this article from the AARP to see if it might be for you and if it is, which provider and policy can best meet your needs:

http://www.aarp.org/health/health-insurance/info-06-2012/understanding-long-term-care-insurance.4.html

For information about how Catholic Health Services can help you meet the Long Term Care or Home Health Care needs of you or a loved one, please visit www.CatholicHealthServices.org

images