Living at Home in One’s ‘Final Years’ Is More Cost-Effective and Preferred

By Steve Elliott | January 9, 2017 | Comments Off on Living at Home in One’s ‘Final Years’ Is More Cost-Effective and Preferred

Long-Term Care Insurance Premiums Carmel Valley CA

Long-Term Care Insurance Premiums Carmel Valley CAMore people today prefer to ‘age in place.’ This basically means they’d rather be at home getting care and support if needed as opposed to moving into a nursing home or some other facility. As people get older, the risk of health issues, limited mobility, and the need for extra care and support increases.

Many people consider relying on family members or friends to help out, at least in those initial years. They might have adult children who live in the same town. They probably never discuss the prospect of long-term care and support, and only subconsciously assume those family members are going to be there in the event they need help of any kind.

After a few months, though, the pressure they put on those family members can be tremendous. It can lead to an incredible amount of stress and anxiety for those adult children, friends, and other loved ones who are doing everything they can, giving up many aspects of their own life and enjoyment just to help out.

The better alternative.

The best things a person can do is encourage a loved one to consider professional and experienced home care support services. By relying on a home care aide instead of family members, it allows those seniors the opportunity to feel more comfortable. After all, who really wants to have their adult daughter or son assisting them in getting undressed and into and out of the shower?

The adult children might claim to be comfortable enough with the situation, but is it really the right situation for everyone involved?

Hiring a home care aide may seem cost prohibitive for some, especially if care is going to be needed for months on end or even years into the future.

That’s why long-term care insurance can be an incredible asset. Since more and more seniors prefer to remain in the comfort of their own home, even if they need extra care and support, a home care aide becomes a better option.

The Baby Boomer generation is now reaching retirement age and that means there are going to be millions more seniors relying on some type of care and support. Access to care options, the cost, and other factors can place increased pressure on family members.

By purchasing long-term care insurance now, it can lay the foundation for a more positive, healthy, and robust future for those seniors who want to remain in the comfort of their own home as they face their final years.

If you or a loved-one are considering Long-Term Care Insurance Premiums in Carmel Valley CA, please contact Steve Elliott at Capstone Insurance for an honest discussion about your future and your options. Call today (858) 350-3161.

Steve Elliott
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