President Honors Family Caregivers During Long-Term Care Awareness Month

President Biden has declared November as National Family Caregivers Month. The month is already known as Long-Term Care Awareness Month, and the linkage shows the importance of planning.

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President Honors Family Caregivers During Long-Term Care Awareness Month
4 Min Read November 7th, 2021

This November marks the twentieth year of Long-Term Care Awareness Month in the United States. As we give thanksgiving for our blessings and families, it is an excellent time to review the consequences of aging, and the impact long-term health care has on your family and finances.

To go along with Long-Term Care Awareness Month, President Joe Biden has proclaimed November as National Family Caregivers Month.

"As my own family members have been caregivers, I understand the struggles family caregivers face and the importance of the care they provide," the President said.

Long-Term Care is About Family

Long-term care planning is about family, and it is not surprising that President Biden has declared November as National Family Caregiver's Month. 

The tie-in with Long-Term Care Awareness month makes sense as family members often become the default caregivers for their parents. The burdens placed on them affect the caregiver's health, family, and career as they attempt to juggle these responsibilities.

"Every day, millions of Americans provide essential care and medical assistance to their loved ones. These acts of love, commitment, and compassion enable their family members to receive the support they need to live a life with dignity," the President said in a statement.

Families Make Many Sacrifices When Becoming Caregivers 

President Biden says that during the COVID-19 pandemic, many Americans of all ages have had to make substantial sacrifices to keep their family members safe and healthy.

"During National Family Caregivers Month, we recognize the important role of our nation's family caregivers and thank them for the invaluable and instrumental care they provide," the President said.

The effort for a month to recognize family caregivers has been spearheaded by Caregiver Action Network (CAN). This nonprofit group provides free education, peer support, and resources to family caregivers.

Family Caregivers Face Many Demands

"A month dedicated to creating awareness of this vital issue that impacts millions of Americans made enormous sense back in 2001," shares Jesse Slome, director of the American Association for Long-Term Care Insurance. The group was one of the leading groups responsible for Long-Term Care Awareness Month being created.

Family caregivers face many struggles as they juggle the caregiving responsibilities with their careers, families, and other obligations. The job of a caregiver is demanding both physically and emotionally. 

Many families ignore the need for planning until a crisis occurs, often with little notice. These family caregivers are unprepared and untrained. Families will seek professional help, but that is costly. Long-term care costs are rising rapidly throughout the country due to increased demand, higher labor costs, and shortages of professional caregivers.

The LTC NEWS Cost of Care Calculator shows that the costs are rising quickly but vary depending on the type of care you require and where you live.

For example, in Tulsa, Oklahoma, the cost of in-home care is averaging $5,426 a month today, but in 25 years, that cost will average $10,955 a month.

Compare Tulsa with Roanoke, Virginia, where monthly home care costs are averaging $4,334 a month today, and in 25 years, the cost will average $8,750 a month. 

Nursing home and assisted living costs are usually more expensive - Cost of Care Calculator - Choose Your State | LTC News.

Without Planning Families Go into Crisis Mode

Health insurance and Medicare pay very little for long-term care services. Medicaid will pay for this type of care, but you must have little or no income or assets to qualify.

Long-Term Care Insurance offers compressive benefits, but you cannot purchase an LTC policy unless you have reasonably good health. If you wait for the crisis to start, you probably have waited too long.

Experts suggest obtaining coverage in your 40s and 50s when premiums are much lower, and your health makes it easier to obtain coverage.

Use the month to do more than think. Thank family caregivers. Discuss long-term care with loved ones. Then, take action to plan for the costs and burdens of aging and changing health.

Seek the help of a licensed and qualified Long-Term Care Insurance specialist who presents the top companies. Premiums vary over 100% between insurance companies, and the underwriting rules between companies also differ. A specialist will help you navigate and find affordable coverage - Work With a Specialist | LTC News.

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Editor's Note

Being prepared for your future changing health due to the consequence of aging is vital to retirement planning. Part of retirement planning should include affordable Long-Term Care Insurance.

Resources on LTC NEWS

Many tools and resources are available on LTC NEWS to help you learn about your options to plan for aging's financial costs and burdens. The goal is to prepare your family and finances for the future costs and burdens of changing health and aging.

You can compare the major insurance companies that offer Long-Term Care Insurance products here - Top Insurers for Long-Term Care Insurance | LTC News.

The Ultimate Long-Term Care Guide is an outstanding read to help you get a good overview of the topic area. 

There are also available tax incentives, and see if these tax incentives are helpful by reviewing the Long-Term Care Tax Benefits Guide.

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

Looking for Quality Caregivers? Need Help Filing an LTC Insurance Claim?

If a loved one already needs in-home care or owns a Long-Term Care Insurance policy and needs assistance filing the claim, LTC NEWS is here to help.

LTC NEWS provides free assistance with no obligation - Filing a Long-Term Care Insurance Claim | LTC News. You can also help find caregivers and get recommendations for a proper care plan, whether a person has a policy or not.

Benefits of Reverse Mortgages 

There are many people today that have much of their savings invested in their homes. With today's reverse mortgages, you can use the money in your home to fund a Long-Term Care Insurance policy, add retirement income, or even pay for in-home care if you need care now. 

You can ask questions to LTC NEWS columnist and host of the TV Show 62 Who Knew in the LTC NEWS feature "Ask Mike." His expertise in caregiving, aging, health, retirement planning, long-term care, and reverse mortgages can be a valuable resource - Reverse Mortgages | LTC News.

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Drive traffic to your website and find the people interested in your products and services by using LTC NEWS. Plus, you can improve your website's SEO so more consumers can find you when they search for your services.

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

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You can write a story or ongoing column for LTC NEWS. You can write about many topics, including health, aging, caregiving, retirement planning, long-term care, lifestyle, and other issues that interest adults over age 40.

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

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Email your story idea or article: - LTC News Contributors | LTC News

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