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LTC Insurance Blog
Simplifying the process of understanding Long Term Care, and helping you decide if Long Term Care insurance is right for you.
How can I convince my aging parents to consider Long Term Care insurance?
Discussing Long Term Care is difficult for both adult children and their parents. Waiting until a parent is ill or becomes frail due to an accident causes even more stress, so it’s important to begin the conversation early.
First, listen to your parents’ concerns. Most likely, they will tell you they do not want to be a burden. Outline the choices available, including home health care, assisted living, Alzheimer’s facilities, and nursing homes. Become familiar with and discuss the high costs associated with Long Term Care.
Then, listen to and respect your parents’ preferences. Don’t forget to discuss your own concerns about providing care for your parents. Be open and honest about your ability and willingness to take care of their future physical, emotional, and financial needs. Be realistic and understand that providing care for a loved one takes a toll on the entire family. Most caregivers report a decline in their own health, including depression, an increased use of medications, lost wages, and less time spent with their spouse, children and friends.
Last, help your parents create a Long Term Care plan that meets everyone’s needs and desires. Suggest Long Term Care insurance as a way to provide the care your parents deserve.
If you would like to speak with someone about your parents’ Long Term Care options or if you would like to receive a quote for Long Term Care coverage, please contact us at 1-800-432-0091 or fill out our online submission form for a free rate comparison.