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Long-term care can be a perplexing issue. It is often confused with healthcare, but there is an important distinction between the two. The goal of long-term care is not to cure an illness, but to enable a person to function so that they can live independently


Long-term care consists of medical, personal, social and specialized housing services in support of those who have lost some ability to care for themselves due to a disability or chronic illness. Long-term care involves assistance with some of the most basic, yet intimate, aspects of daily living, such as getting dressed, bathing and toileting.


Many do not seek professional advice about planning because they have misconceptions  about long-term care policies.  Consequently, when a long-term care situation suddenly arises, there

is only time to react rather than respond to a logical plan of action.  

Below are some of the myths that might lead to complacency about Long Term Care Insurance.

It won't happen to me.

1 in every 2 individuals turning 65 today will need the coverage of a long-term care solution during their lifetime.

Medicare and Medicaid have me covered.

Medicare only covers a portion of skilled nursing costs up to 100 days. Medicaid is only available to those with limited assets and income.


That's what my savings are for.

The national average cost for a private room in a licensed nursing home is over

$100,000 per year. An unplanned care event might deplete savings 2-3 times faster than planned.


My family will be able to take care of me.

Women caring for ill parents are twice as likely as non-caregivers to experience depression or anxiety.  The overall cost to a female caregiver is estimated at almost $325,000 because of lost wages and diminished working hours.

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