Planning for Long-Term Care Needs

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Surveys continue to show that many people are unprepared for the cost of a prolonged illness, especially in their senior years. Medicare generally does not cover long-term-care services, which include assistance with daily activities such as eating, dressing and bathing, or help with someone who has a severe cognitive impairment such as Alzheimer’s disease. Caring for a loved one or for yourself as you age can be an expensive endeavor so it is best to start preparing early.

As the population of older people increases in the next 20 years, the number of adults in their primary caregiving years (ages 45 to 64) is projected to remain flat. This means the availability of family caregivers — mostly adult children — to arrange, coordinate, provide and/or pay for long-term-care services is expected to decline. Start planning now to know how you’ll care for loved ones, and if you have any questions about in-home care or our superior service, call us at 481-8888.


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