Skip to main content

Image Magazine

Sponsored Content

Why Everyone Should Plan for Long-Term Care

Aug 14, 2017 04:36AM ● Published by Family Features

Research suggests that most Americans turning age 65 will need some form of assistance with everyday activities, known as long-term care, as they grow older. The amount of care needed will depend on many variables, including overall health, cognitive functioning and home environment.

Age is a strong predictor of the need for help, and because women live longer on average, they are more likely than men to require long-term care. Factors such as a disability, injury or chronic illness also increase the chance that long-term care will be needed.

Three simple steps can help you start planning for care you may need as you age.

1. Know what to expect
Most people know they should save for retirement, but many don’t know exactly what expenses to expect. An often overlooked area is long-term care, a broad set of supports for everyday tasks like dressing or eating. While most of this care is provided by family members and friends, sometimes older adults and their families get these services from providers like home health aides, area agencies on aging or residential providers such as assisted living or nursing homes.

Understanding long-term care is the first step in creating a plan. Key things to know include:

  • A person who lives alone is more likely to require long-term care than one who can rely on a spouse or partner for help with daily tasks.
  • Long-term care is expensive and represents a major uncovered risk to your retirement savings.
  • Medicare does not pay for long-term care services or supports with some minor exceptions. Neither does your employer-based health insurance or Medigap.
  • Most people prefer to receive long-term care at home; their odds of doing so may be improved by making home modifications to reduce the risk of falls.
  • Many Americans say they do not want to rely on their children for care, but a lack of planning for paid care often leads to exactly that result.

2. It’s not just about you
A choice to plan or not plan will likely have a big impact on family and friends who may also be informal caregivers. Statistics show that most long-term care is provided by family members or other loved ones.

Take the time to make clear your preferences for what kind of help you value most and where you want to receive it. Family and friends will feel better knowing that you are thinking about your needs – and theirs – by planning for long-term care.

3. Better active than reactive
Be proactive. Staying at home is great, especially if it has been modified to help you avoid an injury and continue to care for yourself. However, it won’t happen without taking steps to ensure you can get the supports you need at home. Start thinking about ways to maintain your independence, safety and care needs.

For more information and resources to develop a care plan, visit longtermcare.gov.


 

Sponsored by Administration for Community Living

Like what you're reading? Subscribe to Image's free newsletter to catch every headline

Family Features Family Features Lifestyle
  • Free Design Consultation!

    09/26/2017
    08:00AM — 04:00PM

    Free One Half Hour Design Consultation- This consultation allows for designers to meet with you t...


  • Plainfield Pumpkin People

    09/26/2017
    10:00AM — 05:00PM

    For the sixth year in a row The Plainfield Pumpkin People will be popping up all over Plainfield...


  • A Doll's House

    09/26/2017
    07:30PM — 10:00PM

    A Doll’s House By Henrik Ibsen A new version by Robert Kropf Directed by Eric Bunge September...


  • A Doll's House

    09/26/2017
    07:30PM — 10:00PM

    A Doll’s House By Henrik Ibsen A new version by Robert Kropf Directed by Eric Bunge September...


  • Plainfield Pumpkin People

    09/27/2017
    10:00AM — 05:00PM

    For the sixth year in a row The Plainfield Pumpkin People will be popping up all over Plainfield...


  • Hope and Hazard: A Comedy of Eros

    09/27/2017
    11:00AM — 05:00PM

    The Hall Art Foundation is pleased to announce a group exhibition curated by American artist Eric...


  • David Shrigley

    09/27/2017
    11:00AM — 05:00PM

    The Hall Art Foundation is pleased to announce a solo exhibition of work by British artist David ...


  • Ready. Fire! Aim.

    09/27/2017
    11:00AM — 05:00PM

    Ready. Fire! Aim. is a joint exhibition that will take place at the Hall Art Foundation in Readin...


  • A Doll's House

    09/27/2017
    07:30PM — 10:00PM

    A Doll’s House By Henrik Ibsen A new version by Robert Kropf Directed by Eric Bunge September...


  • A Doll's House

    09/27/2017
    07:30PM — 10:00PM

    A Doll’s House By Henrik Ibsen A new version by Robert Kropf Directed by Eric Bunge September...


  • Plainfield Pumpkin People

    09/28/2017
    10:00AM — 05:00PM

    For the sixth year in a row The Plainfield Pumpkin People will be popping up all over Plainfield...


  • A Doll's House

    09/28/2017
    07:30PM — 10:00PM

    A Doll’s House By Henrik Ibsen A new version by Robert Kropf Directed by Eric Bunge September...


  • A Doll's House

    09/28/2017
    07:30PM — 10:00PM

    A Doll’s House By Henrik Ibsen A new version by Robert Kropf Directed by Eric Bunge September...


  • Plainfield Pumpkin People

    09/29/2017
    10:00AM — 05:00PM

    For the sixth year in a row The Plainfield Pumpkin People will be popping up all over Plainfield...


  • A tour of our exhibitions, Hope and Hazard: A Comedy of Eros and Ready. Fire! Aim., followed by a...


  • The Royal Frog Ballet and their annual outdoor performance of The Surrealist Cabaret is back at F...


  • A Doll's House

    09/29/2017
    07:30PM — 10:00PM

    A Doll’s House By Henrik Ibsen A new version by Robert Kropf Directed by Eric Bunge September...


  • A Doll's House

    09/29/2017
    07:30PM — 10:00PM

    A Doll’s House By Henrik Ibsen A new version by Robert Kropf Directed by Eric Bunge September...


  • Plainfield Pumpkin People

    09/30/2017
    10:00AM — 05:00PM

    For the sixth year in a row The Plainfield Pumpkin People will be popping up all over Plainfield...


  • Vermont Sheep & Wool Festival

    09/30/2017
    10:00AM — 05:00PM

    Animal Barn Sheep – Goats – Alpacas – Llamas – Rabbits. In addition to live fiber-...


  • Good Neighbor Golf Outing

    09/30/2017
    10:00AM — 04:00PM

    Join us at the Hanover Country Club on Saturday September 30th at 10:00am for the Good Neighb...


  • Hope and Hazard: A Comedy of Eros

    09/30/2017
    11:00AM — 05:00PM

    The Hall Art Foundation is pleased to announce a group exhibition curated by American artist Eric...


  • Ready. Fire! Aim.

    09/30/2017
    11:00AM — 05:00PM

    Ready. Fire! Aim. is a joint exhibition that will take place at the Hall Art Foundation in Readin...


  • David Shrigley

    09/30/2017
    11:00AM — 05:00PM

    The Hall Art Foundation is pleased to announce a solo exhibition of work by British artist David ...


  • Autumn Moon Festival 2017

    09/30/2017
    04:00PM — 09:00PM

    Mark your Calendars! Autumn Moon Festival returns September 30th from 4 - 9 PM! We are hoping to ...


  • The Royal Frog Ballet and their annual outdoor performance of The Surrealist Cabaret is back at F...


  • A Doll's House

    09/30/2017
    07:30PM — 10:00PM

    A Doll’s House By Henrik Ibsen A new version by Robert Kropf Directed by Eric Bunge September...


  • A Doll's House

    09/30/2017
    07:30PM — 10:00PM

    A Doll’s House By Henrik Ibsen A new version by Robert Kropf Directed by Eric Bunge September...


  • Plainfield Pumpkin People

    10/01/2017
    10:00AM — 05:00PM

    For the sixth year in a row The Plainfield Pumpkin People will be popping up all over Plainfield...


  • Vermont Sheep & Wool Festival

    10/01/2017
    10:00AM — 05:00PM

    Animal Barn Sheep – Goats – Alpacas – Llamas – Rabbits. In addition to live fiber-...


  • Hope and Hazard: A Comedy of Eros

    10/01/2017
    11:00AM — 05:00PM

    The Hall Art Foundation is pleased to announce a group exhibition curated by American artist Eric...


  • Ready. Fire! Aim.

    10/01/2017
    11:00AM — 05:00PM

    Ready. Fire! Aim. is a joint exhibition that will take place at the Hall Art Foundation in Readin...


  • David Shrigley

    10/01/2017
    11:00AM — 05:00PM

    The Hall Art Foundation is pleased to announce a solo exhibition of work by British artist David ...


  • Join us as the curator of Ready. Fire! Aim., DJ Hellerman, leads a tour of the exhibition in conv...


  • The Royal Frog Ballet and their annual outdoor performance of The Surrealist Cabaret is back at F...


  • A Doll's House

    10/01/2017
    07:30PM — 10:00PM

    A Doll’s House By Henrik Ibsen A new version by Robert Kropf Directed by Eric Bunge September...


  • A Doll's House

    10/01/2017
    07:30PM — 10:00PM

    A Doll’s House By Henrik Ibsen A new version by Robert Kropf Directed by Eric Bunge September...


  • Plainfield Pumpkin People

    10/02/2017
    10:00AM — 05:00PM

    For the sixth year in a row The Plainfield Pumpkin People will be popping up all over Plainfield...


  • Autumn Moon Festival 2017

    09/30/2017
    04:00PM — 09:00PM

    Mark your Calendars! Autumn Moon Festival returns September 30th from 4 - 9 PM! We are hoping to ...


  • Time to think about getting those legs back under you! Ski season is approaching and the snow wil...


 

 


PROUDLY BROUGHT TO YOU BY THESE COMMUNITY SPONSORS


Northcape Design Build
Hanover Inn at Dartmouth
Ultimate Bath Store

Sean's Lawn N' Garden Services
Cabinetry Concepts
New London Inn & Coach House Restaurant