Long-Term Care Insurance helps keep Seniors Independent

In a recent edition of Elder Update, it was noted that most seniors fear losing their independence more than anything else. Consequently, nine out of 10 Americans age 60 and older wish to live out their lives in familiar surroundings rather than a hospital or nursing home.

Although an AARP survey found that nearly two out of three younger adults have discussed the subject of living independently with their parents, only four of 10 have begun to make any specific plans to handle a situation where the parents may need some assistance with some everyday tasks.

Too often those decisions are made during times of stress or when the parent can no longer be health qualified. It is advisable that older adults and their children consider the likelihood of needing services, consider whether they would be available as a community service (such as meals on wheels), figure the costs of providing needed services, decide whether you can save enough to pay for those services, and look into the possibility of long-term care insurance that provides in-home services.

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