Celebrity Health Events Remind Us of Our Frailties

Celebrities suffer from the same frailties as the rest of us do. But when things happen to those in the public view it gives us the opportunity to plan in advance. This can give our families peace-of-mind.

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Celebrity Health Events Remind Us of Our Frailties
5 Min Read May 24th, 2019 Updated:March 6th, 2020

When you or a loved one has a health event you usually don't read about it online or hear the story on the radio or TV. However, when a celebrity does, we all hear about it.

There is one good thing about knowing that illnesses, accidents, or even aging inflict the rich and famous. This knowledge shows we are all human. Nobody gets to avoid the frailties of life on Earth. It allows us to think about how we can plan in advance to make these health events easier for our families.

There have been several celebrity deaths in 2020. These included Robert Conrad, Claudette Nevins, and James Lipton.

Many Generation Xers were shocked by the 2019 death of Luke Perry. The former star of TV's "90210" died following a massive stroke. He was 52, but it showed that strokes are not limited to those who are older.

Suffering a severe stroke, he was hospitalized under heavy sedation. After five days later, his family removed the life support after it was apparent that he would not recover, following a reported second stroke.

Stroke is a leading cause of long-term care. Every year, about 140,000 Americans die of a stroke, and while the risk increases with age, about one-third happen to those younger than age 65.

Many of us will remember actress Katherine Helmond. She died on February 23, 2019, at her home in Los Angeles at the age of 89.
Like too many people, she had Alzheimer's disease. About 6 million Americans of all ages are living with Alzheimer's dementia. People with cognitive decline require supervision and other help with normal living activities. If you grew up watching TV in the '70s, '80s, and '90s, you were touched by the impact of this news.

Helmond made her big splash on the TV show "Soap" from 1977 to 1981, playing the role of Jessica Tate. She won a Golden Globe and was nominated four times for an Emmy Award for Outstanding Lead Actress in a Comedy Series.

Later she played Mona Robinson in 1984 to 1992 on "Who's the Boss?" where she also won a Golden Globe and was nominated for two Emmy Awards.

Helmond also appeared on "Coach" and "Everyone Loves Raymond." Despite helping all of us laugh, in the end, she fell to the impact of memory loss and long-term care.

Social media remembered.

For those who remember the miracle New York Mets from 1969 or just fans of baseball, you were sad to hear that Tom Seaver has dementia. The Hall of Fame pitcher, regarded by many as the greatest New York Met of all time, is now retired from public life. Social media shared the news.

If you, or your children, watched "Bozo" on cable's superstation WGN throughout the '80s, Marshall Brodien, who played "Wizzo the Wizard," recently passed away after suffering from Alzheimer's.

Cost of Long-Term Care Can Devastate Savings Even for Wealthy

The financial costs of cognitive decline can be substantial, even for those of wealth. Many caregivers are family members who must take time away from their careers, families, and other responsibilities. Paid care is expensive and can drain assets. Unless a person has Long-Term Care Insurance, the burden is placed on your family and your bank account.

If you were growing up in the '70s, you heard many huge hits from Peter Frampton. Songs like "Show Me the Way" and "I'm in You" dominated the radio. He recently announced a farewell tour after announcing he suffers from the disease, which causes his muscles to weaken and waste.

Frampton, who is now age 68, was diagnosed with inclusion body myositis (IBM) almost four years ago; however, he just went public as his disease progressed.

Impact of Long-Term Care is More Than Just About Money

If you are like most people you know people, probably family members, who suffer from illnesses, accidents, or just the frailty of aging. Your stories may not get media attention, but if you search social media you read the stories. These stories express the sadness, burdens, and costs on everyone. Being a caregiver places tremendous responsibility on a loved-ones. The challenges are many.

Longevity Brings Higher Risk of Needing Long-Term Care

The U.S. Department of Health and Human Services reports if you reach the age of 65 you will have a seven in ten chance of needing some type of long-term care service and support.

How would your retirement be impacted if you had to pay the costs of care services? If your family had to be caregivers how would their life change? How would it affect their family and career?

Take time to learn about how Long-Term Care Insurance can safeguard your 401(k), IRA, 403(b), SEP, and other savings from these high costs. However, perhaps the most significant benefit these policies offer is the gift of time it gives them.

Planning for Long-Term Care is All About Family

Your adult children will have the time to be family. Everyone can enjoy the peace-of-mind knowing a plan is in place.

The world might not know you have Long-Term Care insurance, but your family will know. In the end, your biggest concern is your family. That small premium gives your family a great gift.

Research Starts with Finding Current and Future Cost of Care

Start your research before you retire. Find the current and future cost of long-term care services with the LTC NEWS cost of care calculator. You will also find the availability of special partnership plans which provide additional asset protection. Some states also have tax incentives in addition to the federal tax incentives that are available for some people.

Click here to find your state.

Be sure to get the help of a qualified Long-Term Care Insurance specialist. Most general insurance agents and financial advisors are not prepared to understand all the aspects of these policies and designs. You can find a specialist who can help you design an appropriate and affordable plan. Click here to find a specialist.

None of us are immune to the impact aging has on us. While you might not be a celebrity, you do have a family you love. Long-Term Care Insurance may make you a star in the eyes of your family, perhaps not today but years from now.

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About the Author

Linda is a former journalist who now enjoys writing about topics she is interested in so she “can keep her mind active and engaged”.

LTC News Contributor Linda Maxwell

Linda Maxwell

Contributor since December 11th, 2017

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