Stressful Life Events Might Be Linked to Alzheimer's and Dementia
Can stress add to your risk of dementia? The answer is mixed, although some research indicates that high-stress levels in midlife increase dementia risk later. Preparing for aging is key to retirement planning.
Research presented at a conference in London is looking 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.
African Americans seemed to have higher stress levels. The rates of stress have been 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.
In another study, those people with mild cognitive impairment with chronic stress increase the risk of dementia. The research studied 62 seniors with an average age of 78.
Stress Not Good for Health
The research is still mixed about how stress and cognitive impairment are related. Research indicates that stress can play a role in dementia development but is unlikely to be the only factor that causes the condition.
However, a 2020 study shows that midlife stress could increase dementia later in life. The research showed a 1.93 to 2.50 times higher rate of dementia among people with any stress diagnosis registered in midlife compared with those who did not have high levels of stress.
Planning for Long-Term Health Care Key
As we age, no matter our racial or financial background, an advance plan for the costs and burdens of aging should be part of your retirement planning. Aging happens, leading to changes in health, body, and mind, and those changes increase the risk of needing long-term care services.
Affordable Long-Term Care Insurance provides tax-free resources for your choice of 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 need help with daily living activities 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. Family caregivers are usually unprepared and untrained for the stressful role of being a caregiver.
Shop for LTC Insurance with a Specialist
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. Since LTC Insurance is medically underwritten, you cannot purchase a policy once you need care, and by that time, it is too late.
Ideally, according to experts, the 50s are the best time; many people start research in their 40s. However, premiums are based on your age and health when you apply for coverage.
Find a qualified Long-Term Care Insurance specialist to help you navigate the many options from the many companies that offer this coverage - Work With a Specialist | LTC News.
About the Author
An LTC News author focusing on long-term care and aging.
James Kelly
Contributor since August 21st, 2017
Editor's Note
Don't place the entire responsibility of caregiving or managing your care on the shoulders of your family members. Without an advance plan, this role is often a daughter or daughter-in-law who must balance their career, family, and other responsibilities.
The job of being a family caregiver is not easy as it is physically and emotionally demanding. Many times the family caregiver's family is affected because of the time demands placed on the caregiver.
There is a better solution.
Affordable Long-Term Care Insurance gives you access to your choice of quality care in the setting you desire without placing a burden and stress on your loved ones. Plus, they protect your income and savings. There is no need for your family to go into crisis management when you take the initiative to safeguard assets and ease family stress with an affordable Long-Term Care Insurance policy.
LTC Insurance Offers Guaranteed Tax-Free Benefits
The guaranteed tax-free benefits give you control and independence and provide your family with the gift of time. Otherwise, you will drain savings to pay for your care, and your family will be forced into crisis management.
Planning Tools Available on LTC NEWS
The key is to plan before you retire when premiums are very affordable. LTC NEWS offers many tools to help you plan.
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. See if these tax incentives are helpful - Long-Term Care Tax Benefits Guide.
The LTC NEWS Cost of Care Calculator shows you the current and future costs of long-term health care services - Cost of Care Calculator - Choose Your State | LTC News.
Find all the resources on LTC NEWS - Resources for Long-Term Care Planning | LTC News.
Always use an experienced Long-Term Care Insurance specialist. Find one by clicking here.
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 home. 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.
Learn more now - Reverse Mortgages | LTC News.
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