Here’s Where Older Americans Are Happiest
Thinking about your future retirement? Sure you are. Where do you think people are the happiest? According to thethe annual Gallup-Healthways State of American...
Do you think about your future retirement? Sure you do. Where do you think people are the happiest? According to the the latest Gallup-Healthways State of American Well-Being, older Americans are happiest in Hawaii. Do we really need a study for this?
There are many questions to ask when deciding where you might live when you retire. Some of the things people think about when moving includes:
Family
How close to loved ones will you be. It might not be a primary consideration for some people, but family is usually on people's minds.
Quality of Health Care
How close to a hospital and major medical center will you be? Even if you don't have major health concerns now, those develop as you get older. Being close to quality doctors, specialists, hospitals, and other health care services are usually near the top of most people's minds.
Cost and Availability of Long-Term Health Care
As we get older we become more likely to need help and assistance with normal living activities. With aging also comes the increased risk of Alzheimer's and dementia. The availability of in-home health care providers, adult day care centers, assisted living and memory care facilities, and nursing homes should be a consideration.
Another concern - the cost of long-term health care. Of course, if you own Long-Term Care Insurance, you may be less concerned about the costs, but the availability and quality of care remain important.
The LTC NEWS Cost of Care Calculator provides both the current and future expected cost of care throughout the country.
Before you retire, be sure to include an affordable Long-Term Care policy to your plan. You will safeguard income and assets, access quality care, including in-home care, and reduce the stress and anxiety otherwise placed on those you love.
Find a qualified and experienced specialist to help you navigate these plans' many options and costs.
About the Author
An LTC News author focusing on long-term care and aging.
James Kelly
Contributor since August 21st, 2017
Editor's Note
One of the questions often asked about Long-Term Care Insurance is whether making a claim and receiving benefits is difficult. Most Long-Term Care Insurance claims are paid without issue.
Long-Term Care Insurance pays billions in benefits to policyholders helping them access quality care, including at home, and reducing the stress and burden otherwise placed on family members.
LTC NEWS has teamed up with Amada Senior Care to provide you with quality in-home care options, including free - no cost or obligation Long-Term Care Insurance claims processing and case management
If a loved one needs in-home care, whether they have LTC Insurance or not, Amada may be your choice for quality care options.
LTC NEWS has these comprehensive guides to help you in your process of finding care for a loved one now:
- Finding Quality In-Home Care
- Adult Day Care Centers (ADCCs)
- Assisted Living and Memory Care Facilities
- Finding a Quality Nursing Home
Find Professional Help in Obtaining Your LTC Policy
LTC Insurance is custom-designed, but premiums vary dramatically between insurance companies. Every insurance company must file its products and pricing with the state's insurance department before being offered to consumers. What that means is no insurance agent or agency can offer special deals.
Seeking professional help is vital when shopping for Long-Term Care Insurance. There are not many Long-Term Care Insurance specialists who work with the top companies and have a complete understanding of underwriting, policy design, pricing, claims, partnership, and other important aspects of LTC Insurance.
Look for some of these factors in finding an LTC Insurance specialist:
- An LTC Specialist will usually have helped at least 100 people or more with LTC Insurance. Be sure to ask; some specialists have helped thousands nationwide.
- An LTC Specialist will typically work with most of the major insurance companies offering these products, not just one or two.
- An LTC Specialist typically has years or more of experience and holds a Certified in Long-Term Care® designation (CLTC®).
- An LTC Specialist will understand the current and future cost of long-term health care and how most care is delivered so they can make professional recommendations without "over-insuring" the individual.
- An LTC Specialist will offer all types of long-term care solutions, including traditional (including Partnership plans), asset-based "hybrid" policies, and short-term cash indemnity policies.
- An LTC Specialist will know the underwriting rules with all the major insurance companies so they can match your age, health, family history, and other factors to provide you with accurate quotes.
- An LTC Specialist will typically have firsthand experience helping a client's family in the claim process.
Most people obtain coverage in their 40s and 50s.
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LTC NEWS is a leading website for news and information about aging, caregiving, health, lifestyle, long-term care, and retirement planning. We are always looking for new stories to share with our readers.
If your group, organization, business, or political committee has news to share, we encourage you to submit a press release to us.
You can submit your press release - newsroom@ltcnews.com
