As Mom Begins Facing Health Issues, Long-Term Care Is a Topic to Discuss

By Steve Elliott | October 31, 2016 | Comments Off on As Mom Begins Facing Health Issues, Long-Term Care Is a Topic to Discuss

Long-Term Care Insurance Cost San Diego CA

Long-Term Care Insurance Cost San Diego CAHere’s the reality: your mother is getting older. You’ve noticed her dealing with certain challenges she didn’t have before. It’s taking her a little longer to get out of the car. She’s taking more time getting up the stairs. She’s grasping onto that handrail with a death grip.

You know as she gets older she’s going to face even more challenges, both physical and health related. If she’s already dealt with some health issues, the risk of others occurring will increase as well.

At some point in time you need to have a serious conversation with her about the prospect of long-term care. She may never need a home care provider or other support. She may continue dealing with the changes in her body and physical capabilities as she’s always done. However, in the event that short-term care and support may be needed following a hospitalization, what happens if she needs long-term care?

Now is the time to talk about it.

Most people don’t want to talk about the prospect of long-term care with someone who is still fully capable of taking care of himself or herself. After all, wouldn’t talking about it bring something bad down upon you or your loved one?

If you’re superstitious, that may be a very real concern, but in reality talking about long-term care is not going to cause somebody to require it as a result. When your mother was younger, she probably talked with your father about retirement. They saved money, put money away every year into their retirement portfolio, and planned all the things they were going to do once he was able to retire.

Talking about it didn’t make it a reality. Talking about it also didn’t mean they weren’t able to enjoy the fruits of their hard work and labor.

Long-term care is costly. Depending on the type of senior care option available, it can cost tens upon tens of thousands of dollars every single year for proper care and support. The most cost-effective type of senior care comes in the form of home care services.

If your mother requires long-term care for, let’s say, four years, that could cost $200,000 in total. That could be far more than what’s left in her retirement portfolio or the value of her house and other assets. How is she going to pay for it?

By talking about long-term care now, you can also discuss long-term care insurance, which is a great benefit to those who may need support in the future.

If you or a loved-one are considering Long-Term Care Insurance Cost 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.

Steve Elliott
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