Her hair was disheveled, which was unusual for her. The mini stroke she’d suffered after the sudden death of her longtime friend (right at the breakfast table. Put her head down and BOOM. Transitioned into whatever awaits us upon death with nary a peep) was evident in her slowed speech and inflexible fingers.

“I’m not going to be around much longer”, she informed me. I gently confirmed with a question that she was ready to move on. “Yes”, she said. “But I’ll need a perm first”.

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We don’t want to think about our loved ones growing old. Because of this denial, we put off talking with them and planning for the future. We are unprepared to assume the role of caregiver for our aging loved ones, often leading to decisions made in a crisis rather then by choice.

The Challenge - Families are hesitant to talk about how they will care for their loved ones as they age.

Parents are not always open to discussing financial, legal, and long term-care issues. Children are hesitant to bring these up, anticipating resistance. Parents want a voice in the planning, but without the conversation, the wishes of the parents are not discussed.

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Choosing the right insurance company for your LTCi policy is a very important step, and there are several top quality companies that have proven track records in the field of long term care.

The truth is that every company has their own proprietary method of determining policy features, premiums, and health issue qualifications.

Some policies cost 10% - 50% more if you are taking blood pressure medications. Others don’t.

Some policies are very strict about rating overweight folks. Others aren’t so strict.

Some companies charge up to 35% more for someone who has used tobacco. Others are much more lenient in this area.

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