New research, presented at a recent conference in London, looks at how stress and dementia are related. Just one stressful event early on in life could cause the brain to age by as much as four years, scientists say, as this fresh research points to such stress contributing to the risk of dementia. Rates of stress were found to be 60% higher among African Americans and these events predicted cognitive abilities even more than traditional risk factors such as age, education and genetics.
As we age, no matter what our racial or financial background might be, an advance plan for the financial costs and burdens of aging should be part of your retirement planning. Affordable Long-Term Care Insurance will provide the tax-free resources for quality caregivers, either at home or in a facility, without wiping out your hard-earned savings. In addition, LTC insurance will reduce the burdens placed on family members when you will need help with activities of daily living or supervision due to memory loss from the many types of dementia we may suffer from in the future. Often, this burden falls on the lap of a daughter or daughter-in-law when no advance plan exists.
Experts suggest you start shopping for long-term care insurance before you retire so you can take advantage of the most affordable options and discounts.