Statistics say that over 50% of people over 85 years of age will require some form of long term care. 

One of the things that stun me is to learn that close to 44% of people who are aged 65 and up will use a nursing home at some point in their life. I thought 60 was the new 40. 

I know a lot of people who are into their 60’s and they seem to be in great health and wonderful spirits. As if they are beginning a new chapter of life. Hard to imagine so may requiring a nursing home but that is the reality.
Do you have any idea what the cost of a nursing home room or assisted living could be? 

The figures may knock you backwards.
Not many of us can even imagine being placed in the care of a nursing home. 

Smart planning and a long term care policy may give you options to receive care in your own home instead of a nursing home. 

Home health care can provide nurses, physical therapists and certified home health aides to provide the services you need in the comfort of your own home.
As much as your family loves you and you will depend on them to help care for you, you simply cannot rely on your family to provide critical medical services when you need it the most. At some point, many families have to bring in professional medical help. 

I know of a case where a client of ours had a father who was over 90 years old trying to care for his nearly 90 year old wife. His Dad became sick himself and could no longer care for his wife. His Dad was a proud man who did the best he could to provide for his wife but the stress of the situation put his Dad in the hospital and his health steadily decreased from that point forward. The actual stress of such a situation mentally and physically can kill you as explained to me by this client of ours. 

It’s ok for us all to realize that at some point we just can’t do it all. We must call for help and the peace of mind with having a long term care insurance policy in NC may give you financial peace of mind knowing that professional medical help can be afforded when the need arises. 

Please don’t depend on the government to help you. If you are on Medicaid, it could require you to liquidate all your assets that you have built all your life. Leaving your family with nothing, but instead giving the government everything. 

Many healthy people feel as if they are throwing their money away by paying premiums now when they are healthy. Here is what you must keep in mind. You may not need care for 10 more years or longer. If you are admitted to a care facility or receive in home care, you may recoup all your premium payments in just a few short months. 

At Spivey Insurance Group, here is our strong recommendation that you must take seriously. Consider and plan now for purchasing a long term care policy. 

If you wait, your health could change. Insurance company underwriters are becoming much more strict. A change in your health classification could mean higher premiums for you or you may not be able to get the insurance at all. 

The premiums are not that expensive and we can help tailor a plan to suit your financial situation and fall into your budget. 

Call us today at 704-821-4460 and give us an opportunity to show you what we can do to protect you and your family’s assets.

Photo courtesy: moodboardphotography
 
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