Healthy Relationships Mean Better Life and Longevity
Human beings are social animals. Positive relationships mean better physical health. Aging also brings challenges that you should be prepared for.
Human beings are social animals. Research shows that social relationships impact our physical health as blood pressure, smoking, physical activity, and obesity.
As we age, this social interaction and relations have a more significant impact on our well-being. The National Institute on Aging (NIH) says there is a strong correlation between social interaction and health and well-being among older adults and has suggested that social isolation may have significant adverse effects on older adults.
Good Relationships Mean Longer and Healthier Lives
Better relationships add to the quality of life and even longer life. The question is, what does a healthy relationship look like? Do you have at least one or more healthy relationships?
Northwestern Medicine explores the importance of relationships and overall health.
The NIH indicates:
- Social relationships are consistently associated with biomarkers of health.
- Positive indicators of social well-being may be associated with lower levels of interleukin-6 in otherwise healthy people. Interleukin-6 is an inflammatory factor implicated in age-related disorders such as Alzheimer’s disease, osteoporosis, rheumatoid arthritis, cardiovascular disease, and some forms of cancer.
- Some grandparents feel that caring for their grandchildren makes them healthier and more active. They experience a strong emotional bond, often lead a more active lifestyle, eat more nutritious meals, and even reduce or stop smoking.
- Social isolation constitutes a significant risk factor for morbidity and mortality, especially in older adults.
- Loneliness may have a physical as well as an emotional impact. For example, lonely people frequently have elevated systolic blood pressure.
- Loneliness is a unique risk factor for symptoms of depression, and loneliness and depression have a synergistic adverse effect on well-being in middle-aged and older adults.
This information is crucial if you have an older family member. It is also important as part of your own future retirement planning. The financial costs and burdens of aging will impact your savings and can create tremendous burdens on loved ones.
LTC Insurance is Helpful
An advance plan should include affordable Long-Term Care Insurance. LTC Insurance will not provide you with relationships, but it will provide resources for your choice of quality care that you will need as you get older.
Many policies have case management that will help you and your family find quality caregivers. Act before you retire and add peace of mind to your retirement plan.
About the Author
An LTC News author focusing on long-term care and aging.
James Kelly
Contributor since August 21st, 2017
Editor's Note
One of the questions often asked about Long-Term Care Insurance is whether making a claim and receiving benefits is difficult. Most Long-Term Care Insurance claims are paid without issue.
Long-Term Care Insurance pays billions in benefits to policyholders helping them access quality care, including at home, and reducing the stress and burden otherwise placed on family members.
LTC NEWS has teamed up with Amada Senior Care to provide you with quality in-home care options, including free - no cost or obligation Long-Term Care Insurance claims processing and case management
If a loved one needs in-home care, whether they have LTC Insurance or not, Amada may be your choice for quality care options.
LTC NEWS has these comprehensive guides to help you in your process of finding care for a loved one now:
- Finding Quality In-Home Care
- Adult Day Care Centers (ADCCs)
- Assisted Living and Memory Care Facilities
- Finding a Quality Nursing Home
Find Professional Help in Obtaining Your LTC Policy
LTC Insurance is custom-designed, but premiums vary dramatically between insurance companies. Every insurance company must file its products and pricing with the state's insurance department before being offered to consumers. What that means is no insurance agent or agency can offer special deals.
Seeking professional help is vital when shopping for Long-Term Care Insurance. There are not many Long-Term Care Insurance specialists who work with the top companies and have a complete understanding of underwriting, policy design, pricing, claims, partnership, and other important aspects of LTC Insurance.
Look for some of these factors in finding an LTC Insurance specialist:
- An LTC Specialist will usually have helped at least 100 people or more with LTC Insurance. Be sure to ask; some specialists have helped thousands nationwide.
- An LTC Specialist will typically work with most of the major insurance companies offering these products, not just one or two.
- An LTC Specialist typically has years or more of experience and holds a Certified in Long-Term Care® designation (CLTC®).
- An LTC Specialist will understand the current and future cost of long-term health care and how most care is delivered so they can make professional recommendations without "over-insuring" the individual.
- An LTC Specialist will offer all types of long-term care solutions, including traditional (including Partnership plans), asset-based "hybrid" policies, and short-term cash indemnity policies.
- An LTC Specialist will know the underwriting rules with all the major insurance companies so they can match your age, health, family history, and other factors to provide you with accurate quotes.
- An LTC Specialist will typically have firsthand experience helping a client's family in the claim process.
Most people obtain coverage in their 40s and 50s.
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