Dementia Risk Reduced with Simple Steps
Don’t ignore your risk of dementia. Take action to delay your cognitive decline. You can also prepare your family and finances for future long-term care costs and the burdens it placed on your family.
Most of us have experienced the moment. The keys … where did they go? You walk into a room and wonder to yourself why you walked there in the first place. These events are normal, but as we get older, many of us will start to have a real decline in our cognitive ability.
Dementia, including Alzheimer’s, is a major reason many people require supervision or help with normal activities. The long-term care many of us will require is costly, and our families are faced with either being a caregiver or just seeing their loved ones’ savings drained due to the high cost of the extended care.
More women suffer from memory issues than men. Perhaps this is due to women’s longevity. No matter what, all of us should address the problem. Is there a way to delay or prevent memory loss?
Things You Can Do to Reduce Dementia Risk
Jill Couch is a certified dementia practitioner in Fort Collins, CO. She writes in the North Forty News that exercise and managing your blood pressure are two important ways to perhaps reduce your risk of dementia. She also notes that those with hearing loss may also be a greater risk. The use of a hearing aid will keep your mind more active.
She lists other things you can do, including being socially active, smiling, getting more sleep, and limiting stress. Click here to read in more detail.
Preparing your family and finances for the financial costs and burdens of aging should be a primary part of your retirement plan. No matter how hard you try, as you get older, your need for long-term health care increases. Whether its dementia or some other health or aging issue, the need for care is something you and your family will have to deal with, ideally before you need extended care.
Prepare Your Family and Finances for the Impact of Longevity
Affordable Long-Term Care Insurance gives you guaranteed tax-free benefits giving you access to quality care at home or in a facility.
Without an advance plan for long-term health care the responsibility of your future care will fall on your family. They will have to address how you will be cared for and by whom. Your family will either use your own savings to pay for care or become caregivers themselves.
You can reduce the stress on your loved ones while you protect savings and income. Affordable Long-Term Care Insurance will give your family the time to be family. Be sure to start planning before you retire.
Start your investigation by exploring the current and future cost of extended care where you live. The LTC NEWS Cost of Care Calculator is an outstanding resource. You can also review and compare the major insurance companies that offer products that address long-term care.
A trusted and experienced Long-Term Care Insurance specialist is ideally suited to help you find the most affordable way to address the financial costs and burdens of aging.
About the Author
An LTC News author focusing on long-term care and aging.
James Kelly
Contributor since August 21st, 2017
Editor's Note
A solid retirement plan should include a strategy for longevity and the impact that long-term health care will have on you, your family, income, savings, lifestyle, and legacy. Affordable Long-Term Care Insurance gives you access to your choice of quality care either at home or in a facility.
Remember, Long-Term Care Insurance will pay for long-term custodial care, the most common type of care we will need. Health insurance, including Medicare and Medicare Supplements, will only pay for a small portion of skilled care. Medicaid will only pay if you have little or no savings and income.
Planning Tools and Resources on LTC NEWS
You can find many tools and resources on LTC NEWS to assist you in your research for a planning solution or help your family find the appropriate care for a loved one at the time of crisis.
To help you plan the costs and burdens of changing health and aging, LTC NEWS has put in place several resources, including:
- The LTC NEWS Cost of Care Calculator will show you the current and future cost of long-term health care services where you live. Plus, each state has vital state-specific information you should know - Cost of Care Calculator - Choose Your State | LTC News
- The Ultimate Long-Term Care Guide is an outstanding read to help you get a good overview of the topic area.
- Compare the major insurance companies that offer Long-Term Care Insurance products here - Top Insurers for Long-Term Care Insurance | LTC News.
- A detailed tax guide that includes available tax incentives can be found by reviewing the Long-Term Care Tax Benefits Guide.
Find all the resources on LTC NEWS - Resources for Long-Term Care Planning | LTC News.
Seek Professional Guidance
Insurance rates are regulated, so no insurance agent, agency, or financial advisor can give you special deals. However, premiums vary over 100% between insurance companies for the same coverage.
Experts suggest using a qualified Long-Term Care Insurance specialist to help you navigate the many options available to you and your family.
A specialist who works with the top companies can match your age, health, family history, and other factors and find you the best coverage at the best value. A specialist will save you money, and you will have peace of mind knowing they are making the appropriate recommendations - Work With a Specialist | LTC News.
Get Expert Help Filing an LTC Insurance Claim
LTC NEWS provides free assistance with no obligation to help you or a loved one complete the claims process with your Long-Term Care Insurance policy.
You can also get support in finding quality caregivers and get recommendations for a proper care plan, whether a person has a policy or not. - Filing a Long-Term Care Insurance Claim | LTC News.
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You can write a story or ongoing column for LTC NEWS. You can write about many topics, including aging, caregiving, health, lifestyle, retirement planning, and long-term care, to name a few.
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Email your story idea or article: newsroom@ltcnews.com - LTC News Contributors | LTC News
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