Long Term Care - TLC For Our Elderly

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Long term care is a topic no one wants to broach ... even when things may appear to be comical at the time like those many infamous senior moments we all witness. Realistically though, it is a subject which should be discussed well before someone can not dress themselves, go to the bathroom, prepare their meals or, move about without falling and needing assistance. 

When loved ones need help that will be considerably long term, our natural reaction is to take the responsibility of their care into our hands because they are family. No one can do it better than us. No one can provide the Tender Loving Care they deserve and we want them to have. No one wants to remove them from the comfort of their home into a strange environment.

Long-term care is a family issue that needs addressing, long before the need arises. It will impact the entire family no matter how hard you try to keep some sense of normalcy in your decisions. Being a caregiver is a daunting task, no matter how much love goes into it.   For someone to be totally depended upon you for their very existence is exhausting, heart wrenching and mentally fatiguing. When a loved one is injured or becomes ill unexpectedly, being forced to make hasty decisions can be an extreme detriment to all involved. Children living a long distance from elderly parents have to contend with the frustration and guilt of not being nearby. If you need to coordinate child care and schedules along with the care of a parent at home this is a decision that should be well thought out, not made under the gun.

One main objective every family should consider is the planning ahead for long term health care and whether or not, it will include selecting a facility that will provide the quality of care and quality of life your loved one desires, expects and deserves in a safe and secure environment.

Many Americans do not plan ahead financially for their long term care needs. Others wrongly assume that Medicare, Medicare supplemental policies or standard health insurance policies will cover the costs of long term care services provided in settings such as nursing facilities or assisted living residences.

Long term care insurance is an excellent way to protect yourself from these expenses and finding a policy geared toward your needs should not be made over night.

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