Protect Your Family
"...From the Toll of Long-Term Care"
As we take a look at the
past, we can see that our parents, grandparents, or great-grandparents didn't
have to deal with the issue of long-term care. Along with shorter lives, more
people lived the kind of lives that allowed them to give their loved ones the
care that they needed. Economic pressures and the fast pace of life have
decreased the ability of many families to be able to take on the responsibility
for care giving that once would have been quite normal.
Working Women & The Two Income Family
In earlier times, women were able to provide the care that their parents or
their spouse's parents needed because they were at home. Now, many families
find it necessary for both the husband and wife to work to support their family
and lifestyle. If both partners are working, it makes it very difficult to give
long-term care to their parents. If they decide to try to provide that
long-term care that is needed, they will probably find it necessary for one of
them to stay at home which can result in substantial financial losses.
Though few people go into marriage planning on divorce, the large number of
divorces have created many single parent homes in the United States. These
single parents face an almost impossible task working full time and trying to
raise their family alone. Consider the pressure involved with needing to
provide long-term care for another family member as well.
The task of providing long-term care for a loved one was simpler when families
had more children. Children could help with a grandparent or take on more
chores to free up their parent to give that needed care. When the average
family had 4 or more children, care could be spread around in the family. Now,
with fewer children, the ability to care for a loved one is decreased, and the
pressure of care rests on fewer family members.
Families On The Move
Our mobile society has caused many families to be spread hundreds or thousands
of miles apart. In the past, children married and stayed near to their
traditional home, thereby being close by when their parents might need extra
care. If Mom and Dad live in Virginia, and their grown children live in
California or Texas, you can see that it will be difficult to provide the care
that is needed without uprooting either the parent or the family to get closer
together. This means leaving behind a current life and support system to
provide long-term care.
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The Cost of Long-Term Care
There are more costs than just financial for long term care. You have to consider the burden on family and friends, both in a physical and emotional sense. As far as financial, it depends on where you live, the level of care you require and the length of time that you will need your care
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What Are My Chances?
It is our nature to believe that we will never be in a position to need long-term care. That only happens to other people, not to us. Of course, we would like to believe that, but we cannot foretell the future.
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