Best and Worse Places in U.S. for Well-Being

For the fourth year in a row, Naples-Immokalee-Marco Island in Florida remains the top U.S. metro community for overall well-being, according to a newly released ranking by Gallup and Healthways. 

The top-ranked communities are uniquely positioned to promote well-being improvement by transforming policies and environments so that people move naturally, eat wisely, connect, and have the right outlook—all of which can lead to living longer, better.

Many people feel that being fit both mentally and physically leads to well-being and longevity. While this adds to quality-of-life, it also adds years to your life. The problem with longevity becomes the higher risk of needing long-term health care at some point along the way.

Wellness Brings Longevity - Bring Higher Risk of Long-Term Care 

You don't need to be sick to need long-term care. While people need extended care for illnesses and accidents, many people today need long-term health care due to longevity issues. Frailty and cognitive decline become a bigger risk the longer you live. The consequences are enormous. 

Many people feel stress when thinking about future long-term care. However, family members will feel the burden and anxiety of becoming your caregiver or managing your care. 

Planning for the financial costs and burdens of aging will add to your overall well-being and ease your family's stress. No matter where you live or where you may retire to, your risk of needing help with daily living activities or even supervision due to memory problems is a real risk of aging. 

LTC Costs are Expensive

Long-term care costs are high and not paid for (other than a small amount of skilled care) by health insurance or, once you are 65, Medicare and your Medicare Supplement. This means a successful future retirement should include a plan to address aging's financial costs and burdens. 

Affordable Long-Term Care Insurance will safeguard your 401(k), IRA, 403(b), and other savings while easing the burden on your family.

Most states have partnership policies available which provide additional dollar-for-dollar asset protection. Single premium plans with death benefits are now available as well. 

Seek help from a specialist and see how easy and affordable a plan can be. You will enjoy better well-being with the peace-of-mind a long-term care insurance policy will provide. Plan before you retire when premiums are low, and your health is better.