Dementia at Age 50. Yes It Happens. Prepared?

Early-onset dementia and Alzheimer's are rare, but the stories of Tracey, Coach Kevin, and Daniel are examples of how dementia and long-term health care can be devastating even at younger ages.

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Dementia at Age 50. Yes It Happens. Prepared?
6 Min Read February 28th, 2019 Updated:February 19th, 2022

When we think of dementia and Alzheimer's, we believe it is something that happens to the elderly. In fact, that is true. As you age, your risk of cognitive declines increases. We live longer than ever before, but with longevity comes the higher risk of suffering from a cognitive decline.

One of the many health challenges of growing older is memory loss as we get older. More people live to age 75, 80, and beyond. Are you prepared for this longevity? 

Most of us are not prepared for dementia at a younger age. Unfortunately, today we see more people who are younger get diagnosed with some type of early onset dementia. No matter your age, too many people are not prepared for the financial, emotional, and physical consequences of aging and declining health issues.

Tracey's Story

Tracey was in her early 50s when she knew something wasn't right about herself. She started to struggle with remembering things she should have easily had no problem remembering. In the UK's Metro NEWS, she writes that she just wanted to know what was happening to her. Was it depression? Maybe menopause? Doctors said no to both.

She writes," I felt like due to my age, nobody believed me. Yet simple things that I knew and trusted myself to do were changing"

Read the full story here: Tracey's story - Dementia UK.

Coach Morrison

How about the story of basketball coach Kevin Morrison. The San Diego State coach had a beautiful family, a loving wife, and four kids under age 10 — including triplets. At age 47, the diagnosis of significant dementia came as a surprise to everyone. With early-onset Alzheimer's — confirmed by tests — the shock and devastation were overwhelming.

Daniel - Dementia in His 30s

There is the story of Daniel Bradbury. This father of two was diagnosed with early-onset dementia in 2017. He is thought to have inherited the condition from his own father, who died at 36.

Family Caregivers Face Stress

No matter the age, a long-term health care event creates an enormous amount of stress on your family. Caregiving is very hard on family caregivers who are overwhelmed with the physical demands of the job and the emotional anxiety created by the situation. 

Your loved ones have their own families, careers, and responsibilities. No matter what they tell you, they will not understand the full impact of being a caregiver until they face the responsibility personally. Paid professional care drains savings and adversely impacts your income and lifestyle. So, what to do?

Solution: Long-Term Care Insurance

Nobody can predict when our health will change. Nobody knows how we will age and when our bodies and minds begin to deteriorate. Being prepared before these changes take place is vital for you, your family, and your legacy.  

The easy and affordable solution is Long-Term Care Insurance. Long-Term Care Insurance will provide the tax-free resources to pay for the high cost of care. The cost of long-term care services can be devastating even for families with a large amount of savings. The costs continue to increase rapidly due to the growing demand for long-term care services and rising labor costs.

The LTC NEWS Cost of Care Calculator shows that these costs vary demanding on where you live - but are rising nationwide - Cost of Care Calculator - Choose Your State | LTC News.

Care for those with dementia can be even more costly. Supervision due to cognitive impairment is necessary for most people who suffer from dementia. But remember that people require long-term care services and supports for many other reasons, including accidents, illnesses, and just the impact of getting older.

LTC Insurance is More Than Just Asset Protection

Money is important, and you want enough money to pay for your choice of quality care in the setting you desire. But it is not all about money. It is about your family. 

Your spouse probably will not be in a position to be much help. They will either be older when you require care yourself, or they may still need to work and maybe take care of other family members like in Coach Morrison's case.

Plus, there is always the question of whether your spouse is the best fit to be a caregiver. It also becomes much more difficult with age if they are older themselves when you need care.

Families Ill-Equipped to be Caregivers

Your adult children will have their own careers, families, and responsibilities that make being your caregiver much more difficult. Family cares are ill-prepared and untrained for this demanding job.

Long-Term Care Insurance will give your family the gift of time. They will have the time to be loving and supportive. In the end, isn't that what you would rather have them be?

You hope you will not be like Tracey, Kevin, and Daniel and suffer from memory issues at a younger age. You wish you would never lose your independence and need any kind of help at any time. However, the facts suggest the risk of needing some type of long-term care is high. 

Health Insurance and Medicare Not Solutions

With longevity, you become more likely to require care. Health insurance or Medicare and Medicare Supplements only pay for a small amount of skilled services. Medicaid only pays for long-term health care if you have little or no income and assets. Long-Term Care Insurance will pay for these services, but you must have a policy in place before your health declines. 

Long-Term Care Insurance pays for all levels of care, skilled or custodial, in any setting you desire. It puts you and your family in control. You avoid crisis management.

Qualified LTC Insurance Specialists Make Planning Easy

Be sure to seek help from an experienced Long-Term Care Insurance specialist. They can guide you to find the best plan for your situation. You can find a specialist by clicking here. 

When you speak with a specialist, be sure to review these topics:

  • Partnership – Most states offer special policies that provide dollar-for-dollar asset protection. The Long-Term Care Insurance Partnership Program might be one of the best-kept secrets in retirement planning. Make sure the specialist explains this program and how it might help you.
  • Tax incentives – There are federal tax incentives available for some people. If you own your own business, be sure to ask.
  • Health Savings Accounts – If you have an HSA you can use the pre-tax money in your account to pay for the premium.
  • Asset-Based or Hybrid policies – These are life insurance or annuities with a rider for long-term care. Careful, be sure your policy meets federal guidelines under Section 7702(b) of U.S. Code. Hybrid policies can provide you with the flexibility of both a long-term care benefit with a death benefit. They are expensive but can be paid with a single premium.
  • Health and Family History - Make sure the specialist asks you detailed questions about your health, family history, and retirement plans. Underwriting criteria vary with each insurance company. If they are not asking you detailed questions, then find another specialist.

You can't wait for your health to change dramatically as it did for Tracey, Kevin, and Daniel. Premiums are very affordable, especially if you act before retirement. Most people obtain coverage in their 50s. Don't put your family into crisis mode. Safeguard your savings and reduce the stress on loved ones. Long-Term Care Insurance is easy, affordable, and rate stable income and asset protection.

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About the Author

An LTC News author focusing on long-term care and aging.

LTC News Contributor James Kelly

James Kelly

Contributor since August 21st, 2017

Editor's Note

Being prepared for declining health and the consequences of aging should be a crucial part of your overall retirement plan. People need long-term care services due to an illness, accident, or the impact of aging. Health insurance and Medicare (including supplements) will not pay for most of these costs.

Family caregivers find it hard to juggle their careers and family responsibilities with that of a caregiver for an older parent. The burden is something most people have said in surveys that they don't want to place on their family.

The solution is affordable Long-Term Care Insurance. LTC Insurance provides guaranteed tax-free benefits to access your choice of quality care options, including care at home. You will protect your income and assets and reduce the stress and anxiety otherwise placed on loved ones.

Planning Tools and Resources on LTC NEWS

You can find many tools and resources on LTC NEWS to assist you in your research for a planning solution or help your family find the appropriate care for a loved one at the time of crisis. 

To help you plan the costs and burdens of changing health and aging, LTC NEWS has put in place several resources, including:

Find all the resources on LTC NEWS - Resources for Long-Term Care Planning | LTC News.

Seek Professional Guidance

Insurance rates are regulated, so no insurance agent, agency, or financial advisor can give you special deals. However, insurance companies' premiums vary over 100% for the same coverage.

Experts suggest using a qualified Long-Term Care Insurance specialist to help you navigate the many options available to you and your family.

A specialist who works with the top companies can match your age, health, family history, and other factors and find you the best coverage at the best value. A specialist will save you money, and you will have peace of mind knowing they are making the appropriate recommendations - Work With a Specialist | LTC News.

Finding Quality Care for Mom or Dad

Start by reading our four guides -  

If they are lucky enough to own a Long-Term Care Insurance policy, be sure they use it. Sometimes families wait, thinking they can save the benefits for a rainy day. Waiting on using available Long-Term Care Insurance benefits is not a wise idea. 

Get Help in Filing a Long-Term Care Insurance Claim

Quality care obtained early will help provide a better quality of life and reduce the risk of a deep decline and facility care. If you need help in starting the process of a Long-Term Care Insurance claim, LTC NEWS can help.

LTC NEWS provides free assistance with no obligation to help you or a loved one complete the claims process with a Long-Term Care Insurance policy. We have teamed up with Amada Senior Care, who will do all the work, free with no obligation. 

You can also get support in finding quality caregivers and get recommendations for a proper care plan, whether a person has a policy or not. - Filing a Long-Term Care Insurance Claim | LTC News

Benefits of Reverse Mortgages 

Today's reverse mortgages for those aged 62 and older could be an ideal resource to fund a Long-Term Care Insurance policy OR even provide money to pay for care if you, or a loved one, already needs help and assistance.  

Some people have much of their savings invested in their homes. With today's reverse mortgages, you can find ways to fund care solutions, care itself, even help with cash flow during your retirement. 

Learn more by asking questions to an expert. LTC NEWS columnist and host of the TV Show "62 Who Knew" will answer your questions regarding caregiving, aging, health, retirement planning, long-term care, and reverse mortgages. 

- Just "Ask Mike." - Reverse Mortgages | LTC News.

Share Your Knowledge - Be A Guest Contributor for LTC NEWS 

LTC NEWS is open to contributors to share their stories with the world. 

You can write a story or ongoing column for LTC NEWS. You can write about many topics, including aging, caregiving, health, lifestyle, retirement planning, and long-term care, to name a few.

Be sure to write for our core target audience of adults aged 40 and older. Our audience is worldwide; however, our primary target is the United States, Canada, the United Kingdom, and other English-speaking nations. 

Improve your website or blog's SEO and gain exposure and traffic at the same time by being a contributor to LTC NEWS. 

You can even promote yourself, your business, and your website or blog. However, it must have editorial content exclusive to LTC NEWS and not just an advertisement. It can include links to other sites, and you can share the article link once published on your website or social media.

Email your story idea or article: newsroom@ltcnews.com - LTC News Contributors | LTC News

Your Marketing and Advertising Partner – LTC NEWS

Use LTC NEWS to drive traffic to your website and help you attract people interested in your products and services. Plus, you can improve your website's SEO so more consumers can find you when they search for your products and services.

There are various marketing options available with LTC NEWS. Traditional advertising, sponsored content articles, strategic alliances, and more are available. 

Learn more about how LTC NEWS can help you market your business, drive traffic, and improve SEO - Advertise With Us | LTC News.

Shared Links

LTC NEWS offers a 'helpful links' page so readers looking for additional information can find them easily. You can get a dofollow link to your website on LTC NEWS in exchange for a dofollow link on your site.

Let's work together and help consumers who search for us on the web - Site Request | LTC News.

You can also affordably purchase a dofollow link to your website or blog on LTC NEWS. Just contact the advertising department.

Sharing News with LTC NEWS 

Include LTC NEWS in your press release distribution. If your group, organization, business, political committee, etc., have news to share, send it to LTC NEWS. Email - newsroom@ltcnews.com  

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