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Are You Equipped with Essential Long Term Care Information?

By Kaycee Bishop Subscribe to RSS | March 29th 2012 | Views:

Long term care planning entails much more than just filling your bank account with a million dollars. If you plan to pit your nest egg against inflation you will never win so instead of this, utilize long term care resources in your area and there’s no doubt you will grow old happy, contented and financially free.

First thing you need is an overview of long term care (LTC) and who normally acquires it. Your best source would be the experts on the field such as LTC providers like licensed nurses and caregivers, elderly care specialists, long term care insurance (LTCI) agents and carriers, and the people per se who are on the receiving end of this kind of service.

It pays to hear the personal insights of average Americans who are receiving LTC rather than just be constantly reading articles relevant to the subject at hand. Written materials about LTC usually offer theories, data and statistics only, not much information about the lives of LTC patients.

See firsthand how elderly people are treated in nursing home, assisted living facilities, or how in-home care recipients interact with their home health aides. Even if you are only 45 right now, the information you will manage to gather shall benefit you in the future.

Other Long Term Care Resources

Apart from individuals who are receiving care, LTC providers such as nurses and caregivers can also share a wealth of information especially in terms of health issues that require serious care.

Talking to skilled nurses working in nursing homes is one way to be familiar with various health disorders that commonly require institutional care. Aside from this, you can also use this opportunity to ask the average age of admittance or moving into a nursing home.

Some people will say going through all these research steps is pointless because in the end your LTC plan should be dependent on your health care needs. That is true but wouldn’t it be easier to plan if you are already equipped with complete LTC information rather than to start your plan with zero knowledge about LTC?

Being armed with reliable LTC information will save you time and money. Instead of spending months (some even take a year) to finalize your personal LTC plan you can do it in a shorter period of time. Instead of overspending your hard earned money on the annual premium of a long term care insurance (LTCI) policy you’ll manage to lock it in at $560 or even lesser. Instead of selling your home and leaving your family impoverished and buried in debt, you’ll manage to pass on to them all of your wealth.

Think of long term care planning as starting a career, choosing where to live and the person with whom you would like to spend the rest of your life. These things don’t come to you instantly, you must somehow have an idea of a profession which you can thrive in, a home to raise your family, and the features of an ideal partner.

For more long term care resources, you can contact your state’s Area Agencies on Aging and the health department.

Kaycee Bishop - About Author:
By visiting now you can get free long term care quote and unlimited information about CLASS act.

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