There is no question we experience numerous changes with our health as we get older. The same goes for our bodies. Just look in a mirror; do you see the 27-year-old self when you are in your 40s and beyond? We even experience a decline in our cognitive abilities as we get older.
Often, we forget about our eyesight. Many people take vision for granted. Sure, we might wear glasses, and our vision is not as good as it used to be when we are younger. However, numerous disorders of the eye can occur as we get older; some have an adverse effect on our independence.
Common Eye Problems
There are common but less serious eye issues we experience. According to the National Institute on Aging to these disorders include:
Several common eyelid difficulties happen with aging. The problems include red and swollen eyelids, itching, tearing, and crusting of eyelashes during sleep.
Floaters are tiny specks that float across your field of vision. Floaters are common with aging but sometimes indicate a more serious eye problem like a detached retina.
This happens to many people as they get older when they experience a slow loss of ability to see close objects or small print. Eyeglasses are often the easy "cure."
Serious Eye Issues Impact Independence
There are more serious eye problems we can experience as we get older. Age-related macular degeneration is one of them, and it will sometimes reduce our independence requiring us to need some assistance with normal activities.
There are more than 3 million cases of macular degeneration diagnosed every year. It often affects those age 60 and older. This vision impairment results from the deterioration of the central part of the retina. There are two types - wet and dry.
Wet macular degeneration affects about 15 percent of all diagnoses. It happens when abnormal blood vessels develop under the retina and macula. Dry macular generation is the most common occurring due to small yellow deposits called drusen that form under the macula.
Wet macular degeneration advances more quickly than dry macular degeneration. You can read more about macular degeneration by clicking here.
There are other eye diseases and disorders. Learn more by clicking here.
Vision and Insurance
Most eye diseases are covered by health insurance, including Medicareand Medicaresupplements. However, vision problems can lead to your need for help with daily activities and can contribute to your need for long-term health care.
People with substantial vision problems will need in-home care to provide either hands-on or standby assistance with normal activities or a facility, like assisted living, that offers these services in a secure environment.
Remember, most long-term care services are custodial and not covered at all by health insurance, including Medicareand supplements. Medicaid will only pay for long-term care if you have little or no income and assets.
Solution - LTC Insurance
Affordable Long-Term Care Insurance provides the guaranteed tax-free benefits that will pay for your choice of quality care, including in-home care that many families prefer for their loved ones.
Without Long-Term Care Insurance, either your family will become caregivers, or you will use your own funds to pay for this care. This care is costly and adversely impacts income and assets, which affects lifestyle and legacy.
Family caregivers face physical and emotional burdens. When you have Long-Term Care Insurance, you will maintain control and allow your family the time to be family.
Since this type of insurance is medically underwritten, you should obtain coverage when you still enjoy good health, ideally in your 40s or 50s.
Find a qualified Long-Term Care specialist to help you navigate options - click here.
There are several obstacles you face when planning for a successful future retirement. You don't want to lose your independence. Avoiding dependency is critical for most people.
Most people want to avoid the lifestyle changes that happen when you have large health-related costs. Most of these costs are long-term care services.
Plus, most people want to avoid placing the future responsibility of caregiving or managing future paid care services on their adult children. The role of the family caregiver is physically and emotionally demanding.
Affordable Long-Term Care Insurance will give help you avoid dependence on your family in addition to protecting your income and assets. You will have access to your choice of quality care, including in-home care, which most people prefer.
Research Tools on LTC NEWS
LTC NEWS offers many resources to learn about the available options and learn about long-term health care issues. Click here and discover these resources.
This comprehensive guide is an outstanding first-read - The Ultimate Long-Term Care Guide. Be sure to take notes so you can ask the appropriate questions when you speak with a qualified and trusted Long-Term Care Insurance specialist.
This conversation is one you should have with a specialist as most financial advisors, or insurance agents lack the knowledge required in underwriting, policy design, tax implications, and claims. Find a specialist who works with the major companies by clicking here.
Discussion Points with a Specialist
When you speak with a specialist, be sure they discuss with you the following:
- 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, only a handful are actually a long-term care benefit. However, one of these policies can provide you with the flexibility of both a long-term care benefit or 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. Underwritingcriteria vary with each insurance company. If they are not asking you detailed questions, then find another specialist.
LTC NEWS Cost of Care Calculator
Take a moment and find the current and future costs of long-term care where you live. This information helps you see the financial impact of long-term care on your savings and helps you decide the amount of coverage appropriate for you in your situation.
Find your state and use the LTC NEWS cost of care calculator by clicking here.
Be Published on LTC NEWS
LTC NEWS offers many resources to help families address the consequences of long-term care, aging, health, caregiving, and other retirement issues. You can be part of the effort to help educate consumers throughout the U.S. and around the world.
Write a story for publication on LTC NEWS and let America hear what you have to say. Be sure your article fits the LTC NEWS target audience of adults 40-70.
Topics can include stories on:
- Long-Term Care
- Retirement Planning
There are numerous other related topics, as well. You can even promote yourself, your business, and your website or blog. It must have editorial content exclusive for LTC NEWS and cannot be 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.
Marketing and Advertising on LTC NEWS
Readers of LTC NEWS are researching retirement issues, including aging, health, caregiving, and long-term care. Other readers seek information for a parent or other loved one who is experiencing declining health or aging issues and require extended care.
There are many marketing opportunities available, including sponsored content articles. Sponsored content offers you a long-form way to sell yourself, your company, and your ideas.
LTC NEWS can be an affordable way to drive consumers to your website or business - or promote products and services.
Learn more about how LTC NEWS can help you market your business - click here.