A Sad Decision Made Regarding Eligibility for Long-Term Care Insurance

A few months ago, I was contacted by a couple who were interesting in getting the information on Long-Term Care planning and insurance. At the time we spoke, they had a lot going on in their lives (finishing a bathroom remodel). They felt they didn't have the focus at that particular time.

At their request, they wanted to get together in a few months. My follow-up call approximately six months later was very sad and disappointing to both my potential clients and myself. During this time, the husband (51years old) while having a routine physical was diagnosed with early onset of Alzheimer's.

I like to come into people's lives before a long-term care event occurs. After the fact, there is nothing I can do to help with the expense that this long-term care event will incur over this gentleman's lifetime.

It's true that long-term care insurance is less expensive when you are younger and in good health. It is also true that you may not qualify at any price if your health is failing.

We all are healthier today than we will be tomorrow. Yes, even with going to the gym and eating right. With those good habits, we will all live longer with a better lifestyle, but at some time living longer means we will eventually need some kind of long-term care.

Start your planning early enough so that you can make the decision if long-term care insurance is right for you. Do not let the companies make that decision for you.

A great source to start your education in Long-Term Care Planning and insurance is at LongTermCareInsurancePros