May 23, 2013
Between Mother’s Day and Father’s Day Have this discussion with your own parents
Posted on May 17, 2012 in blog | by Brenda
Western History/Genealogy Department, Denver Public Library
Sometimes the “joy” of parenting doesn’t seem so joyful. The joy can be lost in stressful situations when your child doesn’t cooperate but that’s not what this post is about. Maybe you already know about the additional stress that enters you life when you have an aging parent. If you don’t, you probably know someone who does.
The fact is that people are living longer. With age comes the possibility that we will need assistance with daily living activities like bathing, dressing, and eating. Today, one in every two people is likely to need this type of care in their lifetime.
If you are considering being the one who’s going to help your parents you need to keep in mind that it is exhausting. Many people who take on these responsibilities find themselves needing medical care themselves because their body wears down. Sometimes it isn’t a choice, you need to hire someone to help or your parent needs to be placed in a nursing home.
There are a couple of ways to pay for long term care:
You can borrow from friends and family.
You can use your own savings.
You can enter the medicaid program (this is not easy OR fun)
You can have long term care insurance in place.
It is no longer as easy as it once was to qualify for a long term care insurance plan. The time to discuss this type of coverage with your parents is BEFORE they need it. To find a qualified long term care agent, start with your trusted life insurance agent. If they can’t explain it to you themselves, they will know someone who can. Before you purchase anything, read through the Long-Term Care Insurance guide the agent should provide you.
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