If you are over 40, you probably had noticed that keeping weight off is more challenging than when you were younger. Our calorie intake needs are also different. A 51-year-old male who is not very active will require 2000 calories. If they are more active, add 200 to 400 more calories per day. If they are very active, the body will require up to 2800 calories each day. Women require less. A more sedentary female will need 1600 calories at age 51. If they are moderately active, add another 200 calories per day up to 2200 if they have a very active lifestyle.
You will also notice a change in the shape of your body as you get older, even if you are not gaining weight. A shift of fat towards the mid-section is typical in women after menopause, and in men, due to dropping testosterone levels.
Burn Baby Burn
The National Institute on Aging says we need to burn off calories to help maintain a healthy body weight for size and age. You use some calories simply without thinking about it in your day-to-day activities. How active do you have to be beyond that? There is no simple answer. The critical thing to remember is that many people need to become more active than they are now, and you might be one of them.
Once you get to age 60, you generally require fewer calories, but today's lifestyles often mean we still eat the same as we did when we are younger. Part of the problem is our bodies change when we get older, making the ability to be active much harder. Your joints are a little stiffer, and muscles are a little sorer than they were decades ago. Don't forget our metabolism also slows down as we get older.
Harvard Medical School has listed several common activities, and the amount of calorie burn for each activity based on your body size:
Health, Body, and Mind Change With Age
Our ever-changing bodies, and health, illustrates why we need to plan for these changes and their consequences on our families and finances. Yes, we can take pro-active steps to be healthier and maintain or lose weight. These steps will not stop aging and the risk of needing long-term health care.
The cost of long-term care services adversely impacts our income, assets, lifestyle, and legacy. While you might think it won't happen to you - keep this in mind: We live longer today as medical science continues to progress. However, with aging comes aging issues. People require long-term health care either due to illness, an accident, or the impact of aging.
Long-term health care is expensive, and it gets more costly every year,m according to the LTC NEWS Cost of Care Calculator. Don't place this burden of caregiving on your family; the role is tough and emotionally draining.
You can do everything right with your health, and you still have a risk of needing long-term health care. In other words, you could be healthy, but you're just old and need help with daily living activities, or worse, suffer from dementia.
Oh, please don't say it doesn't happen in your family. While not wholly irreverent, family history doesn't provide us with too much of a crystal ball since medical science is much more advanced today. As we age, more things happen, and we survive health events and accidents that we didn't survive just 20 years ago.
Prepare For Longevity with Long-Term Care Plan
A successful future retirement should include affordable long-term care insurance. This way, you can safeguard your 401(k) IRA 403(b) and other assets from the high costs of extended care. Plus, it will reduce the burden placed on loved ones.
Act before you retire, ideally in your 40s or 50s when you still enjoy good health. Seek the help of a qualified and experienced Long-Term Care Insurance specialist to help you find the best plan. Premiums can vary over 100% between insurance companies, and that is only the start of the differences.
Find a specialist by clicking here.
Meanwhile, burn some calories, stay active and enjoy life.
About the Author
An LTC News author focusing on long-term care and aging.
Contributor since August 21st, 2017
A complete retirement plan should include a strategy for longevity and the impact that long-term health care will have on you, your family, income, savings, lifestyle, and legacy. This includes the consequences due to dementia. Affordable Long-Term Care Insurance gives you access to your choice of quality care either at home or in a facility.
Remember, Long-Term Care Insurance will pay for long-term custodial care, the most common type of care we will need. Health insurance, including Medicare and Medicare Supplements, will only pay for a small portion of skilled care. Medicaid will only pay if you have little or no savings and income.
You Must Health Qualify to Obtain Coverage
The underwriting criteria are different with each company. You will have to answer some health questions even to obtain accurate quotes. You ideally want to get coverage when you enjoy good health. If you are already receiving care in your home or if you live in a care facility, you would be ineligible for coverage.
Seek Help of a Qualified LTC Specialist
A Long-Term Care specialist can help you determine your eligibility based on your health history and other factors. Most financial planners and general insurance agents are not knowledgeable about underwriting, features, benefits, federal/state partnership programs, policy design, and claims.
Find a qualified specialist by clicking here.
LTC NEWS Cost of Care Calculator
Your research should include finding the current and future cost of long-term care services in the area you live – or plan on living in the future. Use the LTC NEWS cost of care calculator by clicking here.
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