Can four minutes mean anything? Director Jason McColgan's award-winning short film, "The Wait," does just that. This film shows a very short exchange between two people sitting next to each other at a bus stop.
You see an older man start talking to a pregnant woman sitting next to him on a bus stop bench. The four-minute exchange will put a tear in your eye.
This type of exchange is not unique. It happens worldwide. When it does happen, it is life-changing. Take four minutes and watch.
The movie was nominated for many awards when it came out in 2018. However, the internet recently made the movie go viral. When you watch the film, you will understand.
Watch here: iMedia l Short Film ' The Wait ' - YouTube
How Will Family Deal with Your Future Aging?
Is your family prepared for future changes in your health and memory? How would long-term health care expenses affect your income, assets, lifestyle, and legacy?
Would you want your family, usually a daughter or daughter-in-law become your full-time caregiver? If they became caregivers, how would they deal with the physical and emotional stress and anxiety? How would it impact their career and other family responsibilities?
Prepare Your Family and Finances Now
Many American families add an affordable Long-Term Care Insurance policy to their retirement plan. The consequences of declining health, including Alzheimer's and dementia, can be devastating to both your family and finances.
Family caregivers are usually untrained and undoubtedly unprepared for the burden of being a caregiver. It affects their career, spouse, children, and health. The emotional toll is also difficult.
LTC Insurance Eases the Burden on Loved Ones
When you own a Long-Term Care Insurance policy, you own a solution. You will have the guaranteed tax-free resources to pay for the ever-growing costs of long-term health care.
The costs are growing rapidly. The LTC NEWS Cost of Care Calculator will show you the current and future costs of long-term care services where you live, plus important state-specific information.
These benefits will pay for your choice of quality care, even in-home care.
The best time to plan is before retirement, ideally in your 40s or 50s, when you still enjoy good health. Be sure to seek the help of a qualified Long-Term Care Insurance specialist since premiums vary over 100% between companies.
The film is powerful. Understand the consequences of future long-term health care and prepare your family and finances before you get older.
About the Author
An LTC News author focusing on long-term care and aging.
Contributor since August 21st, 2017
Preparing your family and finances for the future costs and burdens of aging is an essential part of retirement planning. But Long-Term Care Insurance is more than just about money.
Yes, long-term health care is a significant cash flow issue. LTC Insurance addresses this problem. But long-term care is also a family issue. Without any plan in place, the family will go into crisis mode. The result can be a disaster for you and your family, and your wishes may take a back seat.
You Must Health Qualify to Obtain Coverage
You cannot wait until you need you experience significant health problems. Often, it is too late to do any planning.
The underwriting criteria are different with each company. You will have to answer some health questions even to obtain accurate quotes. You ideally want to get coverage when you enjoy reasonably good health. If you are already receiving care in your home or if you live in a care facility, you would be ineligible for coverage.
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, insurance companies' premiums vary over 100% 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.
Finding Quality Care for Mom or Dad
Start by reading our four guides -
- Finding Quality In-Home Care | LTC News
- Adult Day Care Centers (ADCCs) | LTC News
- Assisted Living and Memory Care Facilities | LTC News
- Finding a Quality Nursing Home | LTC News
If they are lucky enough to own a Long-Term Care Insurance policy, be sure they use it. Sometimes families wait, thinking they can save the benefits for a rainy day. Waiting on using available Long-Term Care Insurance benefits is not a wise idea.
Get Help in Filing a Long-Term Care Insurance Claim
Quality care obtained early will help provide a better quality of life and reduce the risk of a deep decline and facility care. If you need help in starting the process of a Long-Term Care Insurance claim, LTC NEWS can help.
LTC NEWS provides free assistance with no obligation to help you or a loved one complete the claims process with a Long-Term Care Insurance policy. We have teamed up with Amada Senior Care, who will do all the work, free with no obligation.
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.
Benefits of Reverse Mortgages
Today's reverse mortgages for those aged 62 and older could be an ideal resource to fund a Long-Term Care Insurance policy OR even provide money to pay for care if you, or a loved one, already needs help and assistance.
Some people have much of their savings invested in their homes. With today's reverse mortgages, you can find ways to fund care solutions, care itself, even help with cash flow during your retirement.
Learn more by asking questions to an expert. LTC NEWS columnist and host of the TV Show "62 Who Knew" will answer your questions regarding caregiving, aging, health, retirement planning, long-term care, and reverse mortgages.
- Just "Ask Mike." - Reverse Mortgages | LTC News.
Share Your Knowledge - Be A Guest Contributor for LTC NEWS
LTC NEWS is open to contributors to share their stories with the world.
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.
Be sure to write for our core target audience of adults aged 40 and older. Our audience is worldwide; however, our primary target is the United States, Canada, the United Kingdom, and other English-speaking nations.
Improve your website or blog's SEO and gain exposure and traffic at the same time by being a contributor to LTC NEWS.
You can even promote yourself, your business, and your website or blog. However, it must have editorial content exclusive to LTC NEWS and not 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.
Your Marketing and Advertising Partner – LTC NEWS
Use LTC NEWS to drive traffic to your website and help you attract people interested in your products and services. Plus, you can improve your website's SEO so more consumers can find you when they search for your products and services.
There are various marketing options available with LTC NEWS. Traditional advertising, sponsored content articles, strategic alliances, and more are available.
Learn more about how LTC NEWS can help you market your business, drive traffic, and improve SEO - Advertise With Us | LTC News.
LTC NEWS offers a 'helpful links' page so readers looking for additional information can find them easily. You can get a dofollow link to your website on LTC NEWS in exchange for a dofollow link on your site.
Let's work together and help consumers who search for us on the web - Site Request | LTC News.
You can also affordably purchase a dofollow link to your website or blog on LTC NEWS. Just contact the advertising department.
Sharing News with LTC NEWS
Include LTC NEWS in your press release distribution. If your group, organization, business, political committee, etc., have news to share, send it to LTC NEWS. Email - email@example.com