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Long-Term Care

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Separating Long Term Care Insurance Myths from Realities
By Kenneth Schulman, CLTC

(Page 1 of 4)

Parents and their adult children can never begin too early to think about their families’ potential needs for care in their “golden” years, and there’s no better time than November to begin that discussion. Why November? November is National Alzheimer’s Month, National Family Caregivers Month, National Hospice Month, and National Home Health Care Month. All of these awareness-building efforts   underscore the growing number of Americans who need or will need long-term care:

  • National Alzheimer’s Month recognizes the progress being made against Alzheimer’s disease and demonstrates understanding and support for the individuals with the disease, as well as their families and friends. The Alzheimer’s Association says 4.5 million Americans have the disease, and up to 16 million are expected to be diagnosed with it by 2050. As Alzheimer’s becomes more prevalent, more people, including spouses and family members, will become caregivers. (Archives of Neurology August 2003).

  • National Hospice Month and National Home Health Care Month  recognize the dedicated professionals and volunteers who provide hospice and home health care, emphasizing the importance of respecting and honoring life in all of its seasons.

  • National Family Caregivers Month recognizes that approximately 47 million baby boomers in North America are or will be facing the role of caregiver to a parent, relative or elderly friend over the next decade. At the same time, countless thousands of seniors will face the dilemma of caring for a chronically ill spouse. 
As a certified long-term care specialist, husband, father, and member of the Alzheimer’s Association’s South Florida chapter, I’ve experienced the impact the need for long-term care can have on families and caregivers. Each day that I meet with people to help them protect their future, I am reminded of how my wife’s grandparents and extended family were affected by Alzheimer’s. That’s why I’ve decided to focus my career on educating people about their long-term care needs and protecting their future.
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