Long-Term Care Insurance-Taking Care of the Caregivers

Almost on a daily basis, I speak with people that are caregivers. They are either part of the "sandwich generation" taking care of an ailing parent or close relative. The stories of caring for a parent with Alzheimer's is told over and over again. A similar theme is that it is usually one sibling that becomes the caregiver while the other siblings just explain or complain "that this is too hard for me to handle." This is what effects the relationship between the siblings and tears families apart Why is it the responsibility of only one sibling?
When Long-term care insurance has not been purchased for the person requiring care, families either pitch in and help pay for care or the so-called inheritance is being spent for care. Although money is a relevant concern for the caregiver, they are so caught up in "caregiving" that they are beginning to feel the effects in their own health and relations with their families, but have no other choice but to just keep going.
Long-term care insurance for these families would give them the ability to coordinate the the care for their ailing parent, but not have to do the hard physical work of caregiving. They have told me that they never realized how physically hard caregiving is not to mention the mental anguish of it all.
Now is the time for these caregivers to be planning for themselves. Long-term care planning should begin before there are health issues to deal with. Having a good plan in place helps for the future, but no one wants to think of their own future when they are so caught up in just getting through their own day of "caregiving."
It is my responsibility to encourage them to think about their own families and protect them against the physical and mental strain of caregiving by putting together a long-term care plan and getting a Long-term care insurance policy. When you love your family, you want them to continue to love you without having to be be your caregiver. Long-term care insurance gives you the ability to make your own choices about where your care will be given.
As a Long-Term care specialist with the designations of LTCP* and CLTC*, I help solve problems that may arise if you or a family member becomes incapacitated.
*Long-Term Care Professional signifies exceptional achievement. It is the premier designation of the long-term care insurance industry, a mark of excellence that distinguishes recipients as the elite in the field. *"Certified in Long-Term Care," a designation granted by the Corporation For Long-Term Care Certification. CLTC graduates have completed a rigorous multidisciplinary course that focuses on the profession of long-term care.