Scary and Stressful – Family Caregivers Face Challenges

Family caregivers understand how scary and challenging the job can be. You can maintain your independence and reduce the stress and burdens that would otherwise fall on your family by obtaining an affordable LTC policy before you retire.

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Scary and Stressful – Family Caregivers Face Challenges
2 Min Read November 30th, 2020 Updated:February 12th, 2021

You might not be aware of how stressful and scary being a family caregiver can be unless you have personally experienced this role. More American families are facing a crisis when Mom or Dad requires long-term care. 

Sometimes it is a significant health event or accident that places the family into an immediate crisis. Sometimes it is a steady decline due to aging or cognitive impairment. In either circumstance, family members must try to find ways to juggle the responsibilities unless a plan exists.

Don’t Catch Your Family Off Guard

There is no reason to place your family off guard. Your health insurance, including Medicare for those over age 65, will not pay for most long-term health care services. Without a Long-Term Care policy, the available solutions left would be personal income and assets or family caregivers - or both. 

Affordable Long-Term Care Insurance pays for in-home care. However, many people are unaware of this fact. Over half of all LTC Insurance claims are for care at home.

More people have firsthand experience with a family member needing extended care. This reality shows the need to have an affordable solution to become more apparent. Plus, most people want to try to avoid a nursing home. 

Most People Want to Age at Home – LTC Insurance Provides In-Home Care

When a long-term care event occurs, most people prefer to be at home or in an assisted living facility. Long-Term Care Insurance gives you the resources to stay in control and avoid being dependent on family to either provide care or make decisions on how your money will be spent on your care.

LTC Insurance works. In 2020 the top insurance companies paid over $11.6 Billion in benefits to American families. 

Review the current and future cost of long-term health care services where you live by using the LTC NEWS Cost of Care Calculator. Then you can review your potential cash flow and the financial impact long-term care will have on you. You then purchase a plan that either at least fills the gaps. 

You can completely protect income and assets and design a plan to take a catastrophic situation and make it manageable. Get the advice of an experienced Long-Term Care Insurance specialist to help you navigate the many companies and plan types that are available. 

Find a trusted and qualified specialist by clicking here.

Experts suggest planning when you still have reasonably good health before you retire.

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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

LTC NEWS offers many resources to help people learn about retirement issues like long-term care, aging, health, caregiving, and more. Whether you are researching for yourself or an elderly parent, LTC NEWS is the place to start. 

Find the available resources on LTC NEWS by clicking here.

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If your business wants to reach people planning for their retirement and long-term care options or the decision-makers who are researching care options for a parent or loved one, LTC NEWS is a great option.

You can also purchase sponsored content – a long-form article to express your insight experience and services.

Contact the advertising department by clicking here

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