If you are in your 40s or 50s, you probably don’t spend much time thinking about aging, but it suddenly becomes top of mind when you are in your 60s. In your 70s, aging is your life. Beyond 80, well, you can’t deny getting old.
It is important to understand the consequences of aging before your body changes too much, and long-term care becomes both a financial and family burden.
Aging happens. With each passing decade, your body changes more and more. You experience physical and mental changes. At some point, a little forgetfulness starts to creep in.
“You don’t plan retirement once you are retired. Likewise with long-term health care, it is best to plan for the costs and burdens of aging sooner than later,” said Matt McCann, a nationally known expert on long-term care planning.
As you get older, you face an increased risk of needing help with daily activities or supervision due to a decline in memory. About half of all Americans who reach the age of 65 will need long-term health care, and the costs increase yearly, according to the Cost of Care Calculator - Choose Your State | LTC News.
“The thing to understand is long-term care is both a cash flow issue and a family issue. Without a plan, your family will become caregivers and care managers. Family caregivers face tremendous physical and emotional strain which could last years,” McCann says.
According to McCann, the consequences of aging are not something you should ignore or delay in thinking about. Affordable Long-Term Care Insurance offers guaranteed tax-free benefits that give you access to your choice of quality care, including in-home care.
“Your loved ones will have the time to be family and not caregivers,” McCann adds.
The ideal time to plan is when you are in your 40s or 50s, when you still enjoy relatively good health, giving you the most affordable options.
McCann represents the top companies. Licensed nationwide, he provides free and accurate quotes along with professional recommendations. His unique process allows you to speak with him on the phone as you view his computer screen on your device. Nothing is easier or safer.
Get your quotes now – www.mccannltc.net/quote. Premiums can vary over 100 percent between companies but are affordable and custom-designed. Several types of plans are available to consider.
McCann Insurance Services: 866.751.7957: www.mccannltc.net