How Much Long-Term Care Coverage Do You Need?

Have you ever foreseen an event before its actual occurrence? We all experience prophetic powers occasionally, but was there a time that you tried to envision yourself receiving long term care (LTC) and your efforts just turned futile?

Anything that concerns our health seems to be the hardest to deal with. Perhaps the reason behind it is the fact that in our subconscious mind we refuse to accept the reality of growing old and needing others to be able to perform the most basic activities of daily living.

Who wants to grow old, anyway? I don’t. However, there’s a very thin line between refusal and neglect. You can choose not to like something but still work on it for your own good, or deliberately not do anything at all. Just don’t act surprised if your action backfires on you.

Investing in long term care plans is absolutely different from buying a residential property or a new car. Some people I know say planning for LTC is like chasing death or anticipating the end. It’s actually the opposite.

According to the U.S Department of Health and Human Services today’s men and women are living longer. If that’s the case, why not grab the opportunity to live beyond your 100th year and have your name appear on the Guinness World Records?

Now, for that to happen you have to acknowledge first that you will require some form of care someday because nobody grows old and manages to maintain the strength and agility of a 12-year-old. As a person gets older his bones gradually become weaker and brittle causing functional limitations.

Once you’ve accepted this as a possibility in your life you can start planning your long term care coverage. See, you don’t even have to imagine acquiring a geriatric disease because LTC is basically not about providing medical care only. It’s for anybody who can no longer perform the activities of daily living (ADL) which are eating, bathing, dressing, toileting, continence, and transferring from one part of the house to another.