Where You Live Matters When It Comes to Long-Term Care
Long-Term Care Insurance San Diego CA
It might be a topic you never really talked about with your family. Long-term care is something most people only associate with the elderly and those dealing with tremendous health related challenges. However, whether it’s for an elderly family member or someone else, long-term care may, at some point in time, be absolutely necessary.
Location matters.
When it comes to adequate long-term care, where the individual lives is going to have a direct impact on whether or not they have access to the best types of care possible. For example, a person who lives in an extremely rural area of the country may have only one or two options for relying on home care support.
That individual might require the assistance of a visiting nurse, physical therapist, and a series of home care aides, but due to their location they may only find one or two home care aides willing or able to stop by and check in on them every few days.
That can complicate recovery, safety, and even quality of life.
What can be done about it?
It might be a good idea to sit down with that individual and talk about options for if and when the time comes that long-term care is necessary. Most people don’t want to think about those things because they don’t want to envision having to rely on other people to help them get out of bed, take a shower, go to the store, or even walk down the hall or up and down stairs.
We, as a society, have a tendency to dismiss the notion of mortality, requiring assistance, and so much more. Perhaps it’s because when we begin talking about those things some people have a belief that it brings them closer to reality.
It’s a difficult topic to discuss, but it’s also an important one, especially as people get older. The older a person is, the more likely they will have to face some type of challenges they didn’t have to in their younger years. Some of it could be emotional, mental, or physical.
It’s beneficial to begin discussing long-term care insurance options as well as accessibility for those who might live in isolated areas where home care options are extremely limited. It may be more prudent under certain circumstances to move, stay with family, or plan ahead better to ensure they would have the correct kind of support they might need.
If you or a loved-one are considering a Long-Term Care Insurance in San Diego CA, please contact Steve Elliott at Capstone Insurance for an honest discussion about your future and your options. Call today (858) 350-3161.
I work with all the major insurance companies and my objective is to help my clients determine if long term care protection makes sense for them and if so, to help them shop the market to find the best company at the best rate
I specialize in Traditional Long Term Care Insurance as well as Hybrid Long Term Care Plans which are either a combination of Life Insurance and Long Term Care or an Annuity Plan with Long Term Care
I’ve been specializing exclusively in Long-Term Care Insurance Planning for over 21 years.
Steve was recognized as a 2003 Long Term Care Expert of the Year at The National Long Term Care Producers Summit
2006 was awarded Senior Market Advisor of the Year Finalist by Senior Market Advisor Magazine
National Speaker for Numerous Industry Meetings
Awarded Nations Top 10 Agent 8 times by the American Association of Long Term Care Insurance
Author of numerous published articles on long term care planning
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