Linda Kople

Surveys say consumers and professionals think Long-Term Care Insurance is expensive. Yet, consumers who purchase policies are often very surprised by how affordable LTC Insurance happens to be.

People throw out the term 'autoimmune" disorders often. It seems more people are suffering from these diseases. There are over 80 autoimmune disorders that affect humans.

The stars may be big and bright deep in the heart of Texas, but so are long-term health care costs. Increasing demand in Texas will mean higher costs in the years ahead.

Polls show that many people today understand they may need long-term health care. However, polls say everyone points to someone else, not at themselves. The result – they ignore planning.

You might think your children could easily take care of you decades from now. However, the reality is being a caregiver changes the relationship. The role is physically and emotionally challenging.

We know that more and more people have dementia than ever before. Families face crises and chaos. Assets get drained. What can you do?

Research at Israel’s Weizmann Institute of Science has brought a major breakthrough that may lead to a cure for Alzheimer's and other dementia. Clinical trials will start soon to test the concept on humans.

North Carolina sees population growth as it has become a retirement destination for many in the U.S. Increasing demand for long-term care is raising costs.

Language barriers adversely impact the quality of long-term health care. Most people speak English in the U.S., but many languages are spoken in the U.S., Canada, and the rest of the U.K.

The numbers are staggering. America is getting older. Family members face physical, emotional, and financial pressure. Yet too many think it will not happen to them.

Despite common sense and observation, many people still think they will somehow avoid the problems of aging. The risk of long-term care is real, and planning is essential to a successful future retirement.

Families are ill prepared when Mom or Dad needs long-term health care. Four major questions should be asked. Meanwhile, what have you done to prevent a crisis when you need care decades from now?

We experience changes in our health and bodies as we get older. Some people become frail. Frailty is not a normal part of aging but has tremendous consequences including higher risk of needing long-term care.

Have you had lab work and check-up? You might feel good, but you might not be aware of health issues like kidney disease. Being proactive is vital starting at age 40.

With more advances in medical science, the world is getting older. The consequences of aging have huge impacts on governments and families. Ignoring the costs and burdens of aging can be devastating.

Getting up every night to go to the bathroom? Many men over age 40 will have BPH, benign prostatic hyperplasia. BPH is not prostate cancer, but symptoms can be similar. Too many ignore the symptoms.

You might think retirement is a ways away, and long-term care certainly not on your mind. Since the world is getting older, the consequences of longevity will significantly impact you and your family. Better way attention, now.

According to statistics, many of the COVID-19 deaths have occurred in long-term care facilities. The need for extended care has been growing even before the virus crisis. Families are now researching in-home care for parents and planning for their future long-term care.

Being a family caregiver is difficult, frustrating, time-consuming, and downright exhausting. Long-term health care costs are expensive and adversely impact income, assets, lifestyle, and legacy. You can prepare family and finances now and make aging easier for everyone.

How will you address future aging? The idea of aging-in-place is even more popular as a result of the virus crisis. Whether you need future long-term care or not, your health, body, and mind will change as you get older. Planning is essential.

Personal family experience with long-term care is one of several reasons most people purchase Long-Term Care Insurance before they retire. The consequence of longevity place enormous pressure on families and finances.

One in three seniors die with dementia. When your loved one exhibits symptoms, what are the next steps? What can you do differently now in your life to avoid the crisis your family is about to experience?

The people who work in long-term care facilities face challenges keeping both residents and themselves safe. The risk of COVID infection makes their work even more difficult.

Since 2001 November has been Long-Term Care Awareness Month. As we give thanksgiving for our blessings and families, it is a good time to think about the consequences of aging and the impact long-term health care would have on family and finances.

Research shows a higher mortality rate for those with COVID-19 and dementia. Increased isolation of older people adds to confusion and anxiety.

The economic uncertainty because of the virus crisis has made some people question if they should still be planning for long-term care. The guaranteed tax-free benefits are exactly what many families need as part of their retirement plan.

You might not see it coming – or you have been expecting it for some time. Your Mom, Dad, spouse, or other family member now needs long-term care. You are responsible. How do you handle caregiving duties?

Every American family at some point will experience a loved one’s health decline. How do you cope? How can you prepare for the costs and burdens that come with long-term care?

Family caregivers face stress and anxiety. The role of a caregiver has its consequences on the health of the caregiver. There are ways to manage this stress. Preparing your future care now will ease burdens on your family.

Pope Francis again has spoken out on the value of the elderly. He urges the world not to discard those who are older. We will all get older. Planning for our future older years will give you and your family peace-of-mind.

Missouri joins several other states allowing a camera to be installed in a family member’s nursing home room. It is intended to help limit abuse and give family the ability to stay connected with their loved one.

Don’t worry, if it hasn’t happened yet, it will. As we get older we start having problems with our gut and sleep. Better sleep means better health. Preparing for aging is important for health, family, and finances.

No matter where long-term care is delivered it is close and personal. There is no ‘social distancing’ when providing care. COVID-19 is presenting challenges in how care is delivered. Having choice of quality care in the future even more important than ever.

Another research study is showing the significant impact caregiving is having on American families. Without long-term care insurance, family members become caregivers. A growing number of loved ones find themselves in this role.

American families are facing the difficult responsibility of being a caregiver for a family member. The burn-out and burden on those caregivers bring many challenges for family members. There are ways to address burnout.

Is now really the time we need to be thinking Long-Term Care? Unexpected events influence our savings. Events like 9/11, the 2008 sub-prime mortgage crisis, and the current virus crisis can create losses when we least expect it.

One of the results of the virus crisis will be changes in long-term care. These changes should bring even better quality and safeguards. As more Americans need extended care, preparing is essential before retirement.

The recent COVID-19 virus crisis shows us the many challenges of long-term care and caregiving. Many existed prior to this crisis. Advance planning, including LTC Insurance, makes future long-term care easier and affordable.

It happened fast. An unexpected event caused panic in the markets. The virus crisis changed how we live and work, as least for the time being. This loss of independence is similar to the fear many older people feel as they age.

In an uncertain world, the value of affordable Long-Term Care Insurance has never been greater. Guaranteed tax-free benefits will safeguard savings and income and reduce family stress no matter what crisis is occurring.

Your dog or cat may be a great asset to your overall health and well-being. With longevity, a dog could be a great partnership in your plan for both physical and emotional health as you get older.

When Mom or Dad needs long-term care, it can create a crisis within the family. What steps should be taken? What are the costs of paid care services? Advance planning makes aging issues easier.

With November being National Long-Term Care Awareness Month a family discussion of how to address the financial costs and burdens of aging is essential before you retire. One affordable solution is LTC Insurance.

The campaign for President is in full swing. One of the big issues is health care, but this time around many candidates are talking about long-term care. Proposals include free care to additional tax incentives for Long-Term Care Insurance.

A new research study shows we focus on death than living. Longevity continues to be a major retirement concern. The costs and impact of long-term care needs to be a key component of your planning.

Conversation on TV, radio and social media today continues to be about long-term care and the impact it has on the family, savings and lifestyle. There is advice for those already being caregivers.

Social media is in the news. As more people experience a family member suffering from memory loss the issue is coming out of the shadows. People share their thoughts and feelings about dementia and long-term care.

American families are directly impacted by longevity. Aging means more of us require long-term care services. Family caregivers feel stress when no advance plan is in place often impacting their health and well-being.

The number of American’s who suffer from Alzheimer’s or other forms of dementia continues to grow. Carried service dogs can be an important part of the caregiving team. If you have a loved one who has memory loss a dog could help.

A university study shows the obvious. Caregiving is hard on family members. It places substantial burdens on careers and their own families. Long-Term Care Insurance can reduce the burdens if you plan.

If your elder Mom or Dad is transitioning to long-term care adding a pet to the caregiving team can be a huge benefit for both your parent and the animal.

A person's transition into a long-term care facility can benefit with use of photographs and mementos, including pet drawings, to ease fears. Advance planning will make life's transitions easier on the whole family.

Longevity has become a key part of retirement planning. The costs and burdens of aging impact high net-worth families as well as those with minimal savings. Long-Term Care planning is prudent for both.

28 states offer some type of tax credit or deduction for Long-Term Care Insurance. A new measure introduced by a Nebraska state senator would provide a new tax credit for Nebraskans as they plan for Long-Term Care.

Longevity is requiring planning and Long-Term Care Insurance is part of the discussion. The facts suggest these plans are both affordable and rate stable providing asset protection for those planning prior to retirement.

How many medications are you taking? As we age we are prescribed more drugs. Polypharmacy, the use of too many medications, becomes common with aging and can cause significant morbidity and mortality.

The Long-Term Care Insurance Industry paid $9.2 Billion in benefits in 2017 alone, an increase from $8.65 paid in 2016. Policies are paying huge benefits reducing financial and physical burdens placed on the American family.

As America ages, the impact of Long-Term Care costs have a dramatic impact on both a family’s budget and government budgets. As more people age and require care advance plan is a necessary part of retirement planning.

If you find yourself or family member caring for a person with Alzheimer’s or dementia the stress impacts more than you and your family. It impacts your health unless you take the right steps.

New aggressive guidelines encourage individuals & physicians to be more pro-active when dealing with high blood pressure. The goal to reduce risks of heart attack, stroke and long-term care.

Our longevity doesn’t end our sex life. Sex in Long-Term Care Facilities is a big issue combining concerns of privacy and ability to consent.