Mahatma Gandhi reportedly said, “Live as if you were to die tomorrow. Learn as if you were to live forever.”
Versions of this quote date back to St. Edmund Rich, who died in 1240. Whoever came up with this phrase and those who have repeated over the years have a powerful point.
“We don’t live forever, but longevity has never been greater. Medical advances may see lifespans into our 90s and beyond. Yet too many people ignore the consequences of aging. These consequences not only affect us, but they also affect our finances, lifestyle, legacy, and our family,” said Matt McCann, a nationally known expert on long-term health care planning.
McCann says that many people who contact him about Long-Term Care Insurance and the options for care do so when they are experiencing a crisis.
“The family is in chaos. Typically, a parent or spouse needs care now, and no conversation or planning was made beforehand. While there is help available to find quality caregivers, you can’t purchase insurance when a person’s health has already declined and they need care,” McCann said.
He notes that some people think it would be easy for a child or spouse to be a caregiver. However, the role of a family caregiver is physically and emotionally demanding.
“Family caregivers are untrained and unprepared for this role. The other thing to consider is the care recipient,” McCann explained. “Once they need help with daily activities, they don’t want their son or daughter to help them that way. Going to the bathroom, showering, dressing, taking medications, and other things required as we age or experience health problems are very personal. It can be embarrassing for many people when the caretaker is their son or daughter.”
McCann says most of us want family to have the time to be family. The only way to assure that outcome is to avoid the natural denial most of us have and plan for the costs and burdens of changing health and aging.
Affordable Long-Term Care Insurance provides the guaranteed tax-free resources for your choice of quality care, including in-home care, along with asset protection. But McCann says you need to get coverage in place before your health changes, ideally in your 40s or 50s.
McCann is one of the leading experts in Long-Term Care Insurance representing the top companies. Licensed nationwide, he can provide free and accurate quotes along with professional recommendations. He will speak with you as you view his computer screen making planning easy and safe.
Get your quotes now – www.quoteonltc.com. Premiums can vary over 100 percent between companies but are affordable for most people. Several types of plans are available to consider.
McCann Insurance Services: 866.751.7957: www.mccannltc.net